Retirement projection
Project your nest egg at retirement and the sustainable monthly income it can produce. The gap-vs-target readout updates instantly so you can see the effect of higher contributions, a longer horizon, or a different expected return.
Whole years.
Must be greater than current age.
Investable assets today (EUR).
Added at each month-end.
Nominal, pre-tax, pre-fee.
Annual share of nest egg drawn (e.g. 4%).
Retirement income goal in today's euros.
- All amounts in EUR (€); return and withdrawal rate are nominal annual percentages.
- Nest egg = FV of current savings + FV of ordinary monthly annuity, at monthly rate r ÷ 12.
- Contributions occur at the end of each month; return is assumed constant and non-volatile.
- Sustainable income uses a constant withdrawal rate (e.g. the '4% rule'); it does not model sequence-of-returns risk.
- Figures are gross of tax, fees, and inflation. Target income is not inflation-adjusted.
How this calculator works
The nest egg is a standard future-value calculation: current savings compounded to retirement age, plus the future value of a monthly-contribution annuity at the expected annual return.
Sustainable monthly income is nest egg × withdrawal rate / 12. A 4% rate is the classic 'safe withdrawal' benchmark for a diversified portfolio, but the right number depends on your horizon and asset mix.
Figures are illustrative only. Not investment, tax, or legal advice. Capital at risk.