Retirement Calculator

How to Use & Features

Basic Settings
Enter your current age, target retirement age, monthly expenses, inflation rate, annual return rate, current assets, and annual savings to find out when you can retire and how much you'll need.
- Monthly living expense after retirement: Enter your desired monthly living cost in today's dollars.
- Detail settings: Since spending habits change with age, you can set different expense amounts for each life stage.
- Expected inflation: Enter your expected inflation rate. The U.S. 20-year average inflation rate is approximately 2.5%.
- Expected annual return: Enter the annual return rate you expect from your investments.
- Current financial assets: Your total current financial assets.
- Expected annual savings: The amount you plan to save each year.
- Savings growth option: Choose whether to increase your annual savings with inflation each year or keep it fixed.

Pension
In the Pension tab, you can optionally configure severance pay, national pension, and housing pension.
- Note: Expected severance age cannot exceed your retirement age.

Tax
Optionally include tax in your retirement simulation.
- Tax involves many variables and future uncertainty, so only a conservative estimate is provided.
- Since tax differs between individuals and couples, simply select the applicable option.

Extra Income
If you expect additional income after retirement — such as part-time work or rental income — you can enter it here.

Special Spending
Enter any large one-time expenses expected after retirement, such as a child's wedding or a car purchase.