How much do I need to save for retirement?

Tell us the monthly passive income you want in retirement. We'll work out the portfolio you need, the monthly saving that gets you there, and how long the money lasts once you start drawing it down.

Your goal

Monthly passive income you want

In today's money. We adjust it for inflation.

Your current age

years old

Years until retirement

yrs

Where you are now

Current portfolio size

Assumptions

Expected return before retirement

% / yr

Expected return during retirement

% / yr

Often lower, as portfolios shift to safer assets.

Inflation

% / yr

Drawdown rate

The share of your portfolio you withdraw in the first year of retirement. Sets your target: income ÷ rate.

Save every month

—

Portfolio you need

—

Your first month's income

—

Today's portfolio alone grows to

—

With no further saving

Your money lasts

—

Your portfolio over time

Building up Drawing down

Year-by-year table

Age	Phase	Balance	In today's dollars

Results assume steady returns and inflation every year. Real markets go up and down, which can make money run out sooner or last longer. Savings are added at the end of each month. Retirement income is withdrawn at the start of each month and rises with inflation.