My future
Retirement and independence, in today’s euros.
Your future starts from your net pay, from what you save and from what you spend each month.
Your profile stays in this browser. You create no account, and we send nothing anywhere.
The line shows your savings in today’s euros, by age. It rises until retirement and falls after it. The dashed line is your financial independence number.
How the figures work
Every amount is in today’s euros: your savings grow by the return less inflation, and your monthly saving keeps its value.
Your financial independence number is 25 times a year of spending, less your pension. It comes from the rule of withdrawing 4% a year.
We start from your liquid assets, or from the money in your goals. Your monthly saving comes from your plan, and you can change it here.
After retirement, your savings pay for the spending above your pension, every year, to age 95.
Returns are not fixed. The scenarios show what changes with 2 points more or less. This is not investment advice.