🎯 Retirement target

Retirement Target Calculator

Do not treat one round number as universal. Start with your own spending, pensions and planning assumptions.

Calculator inputs

Desired monthly retirement spending (today’s purchasing power)

Expected stable monthly retirement income (today’s purchasing power)For example: statutory pension, employer pension or other relatively stable annuity income.

Planning withdrawal rate (%)

Years until retirement

Assumed annual inflation (%)

Estimated asset target at retirement

—

Target in today’s purchasing power—

Monthly portfolio-funded gap—

Retirement spending after inflation—

Withdrawal-rate assumption—

This is a scenario model, not a promise that a portfolio can sustain a given withdrawal rate or return. Taxes, inflation, longevity, healthcare, market paths and pension rules can materially change outcomes.

Related official references

Start with your spending gap

Retirement targets differ because housing costs, pensions, healthcare needs and lifestyle differ. This model subtracts relatively stable retirement income from desired spending and uses a planning withdrawal rate to estimate the asset base needed to cover the remaining gap.

A round-number target is only an example

A 4% planning rate produces a different target from 3% or 3.5%. The rate is a scenario input, not a promise that a portfolio will sustain withdrawals indefinitely.

Keep inflation visible

The calculator converts today’s purchasing-power target into a future nominal target so that a dollar amount twenty years from now is not confused with the same amount today.