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Your retirement savings runway
Explore how accessible savings, recurring income and expenses might interact. The chart changes as you change your answers.
Scope: Country selection changes currency formatting only. No national pension, tax, retirement-account or healthcare rules are included. Locked retirement savings must not be entered as accessible until actually available.
Your scenario
Currency formatting only — not local government benefits or tax calculations.
1 · Retirement timing
You can stop working before retirement funds become legally accessible. Include only funds you can actually use.
2 · Assets (not income)
Money available for spending. Do not include restricted pension funds or property value unless sold and available.
Shown for context. Not automatically converted into cash or income.
Do not also save the same rental income below unless it is additional to this amount.
3 · Recurring income & spending
Unchecked by default to prevent counting the same savings twice.
4 · Assumptions
Assumptions, not predictions. No personal taxes, insurance, asset sales or local pension benefits are modelled.
Live retirement results
Forecast in today's purchasing power. Dashed vertical line marks retirement; red markers identify unfunded years. Tap a year or change Inspect age.
Year-by-year projection
| Age | Phase | Opening savings | New saving | Recurring income | Spending | Withdrawal | Unfunded gap | Closing savings |
|---|
What is outside this model?
Country-specific pension and super account rules, government benefits, eligibility, taxes, contribution limits, pension withdrawals, asset sale timing, debt, healthcare, transactions, local regulations and exchange rates. This is a simple educational tool and is not suitable to use as a full retirement plan.
🔒 Your inputs remain in your browser during this session; this calculator does not send or save them.