Retirement Calculator: Calculate monthly savings rate

Plan your target capital and calculate how much you need to save monthly until retirement – in real or nominal terms.

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Retirement Calculator

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€

"Additional" = what you want to cover from capital (besides state pension etc.).

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Years
Calculate in Today's Purchasing Power
Recommended: real values are more intuitive.

When "today" is active, returns are adjusted for inflation (real return).

Required Savings Rate (Monthly)
€322.18
Target Capital at Retirement: €399,161.60
Years to Retirement
37
Withdrawal (Month 1)
€1,500.00
Inflation-Adjusted Target (Retirement Start)
€1,500.00
Projection of Existing Capital
€83,011.96
Gap (Capital)
€316,149.65
Quick Scenario
3 Savings Rate Comparison
-20%
€257.74
Capital at Retirement:€335,931.67
Target
€322.18
Capital at Retirement:€399,161.60
+20%
€386.61
Capital at Retirement:€462,391.53
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Retirement Calculator: How Much Do You Need to Save Monthly?

This calculator estimates the monthly savings rate you need to pay yourself a desired additional income from retirement — over a defined retirement phase.

Why Inflation Is Critical

€1,500 today won't be worth €1,500 in 30 years. That's why you can choose to calculate in today's purchasing power (real) or in future euros (nominal).

Important Simplifications

Taxes, fees, state pension, health insurance, and individual withdrawal strategies are complex in reality. This calculator is a quick planning anchor — not a substitute for professional advice.

Frequently asked questions

Yes – you can switch between real (today) and nominal (future) views.