Retirement Saving Calculator — Global

Retirement saving: A complete global guide

Planning retirement is about aligning your money with the life you want later. This guide explains contributions, employer match, compounding, inflation, and sustainable withdrawals—so you can make decisions confidently, regardless of your country.

Key concepts you will use

• Contribution: The amount you add regularly to your retirement savings (monthly, biweekly, or annually).
• Employer match: A boost from your employer, often a percentage of your contribution up to a cap.
• Compounding: Earnings generate more earnings over time; starting early magnifies results.
• Inflation: Prices rise over time; focus on inflation-adjusted (real) values to preserve purchasing power.
• Withdrawal strategy: A plan to convert your savings into income during retirement in a sustainable way.

What the calculator shows you

• Projected balance: Your estimated retirement corpus at your target age, including contributions, match, and growth.
• Inflation-adjusted lens: A real-terms estimate so you can compare across currencies and time.
• Income potential: An estimated sustainable income across your retirement years, not just a single “4% rule.”
• Composition breakdown: A 3D doughnut showing how much comes from your contributions, your employer, and investment growth.

How to improve your outcome

• Increase contributions: Even small increases compound significantly over decades.
• Capture full match: Contribute at least enough to receive the maximum employer match available.
• Stay invested: Consistency often matters more than timing the market.
• Adjust for inflation: Review your plan yearly and increase contributions with income growth and inflation.
• Plan drawdown: In retirement, consider a withdrawal rate aligned with longevity and expected returns.

Limitations to keep in mind

• Estimates only: Markets and inflation can deviate from assumptions; revisit your plan regularly.
• Taxes and rules: Taxation and pension rules vary by country; consult local guidance where needed.
• Employer policies: Match formulas differ; enter your exact details if known.

How to use this retirement saving calculator

1. Select currency: Choose your currency or add a custom symbol for your locale.
2. Enter ages: Provide your current age, retirement age, and life expectancy for a realistic horizon.
3. Add money inputs: Include current savings, annual contribution, salary, and employer match details.
4. Set assumptions: Choose expected returns (pre/post retirement) and inflation based on your outlook.
5. Choose frequency: Pick how often you contribute (monthly by default) for compounding accuracy.
6. Calculate: Click Calculate to see projected balance, income, and chart breakdown.
7. Refine: Adjust inputs to explore how changes affect your outcome.
8. Reset: Use Reset to clear and start fresh.