Retirement Planner
Project your savings, find a funding gap and estimate how long your money could last.
All amounts are in today’s money. Use one currency throughout. Example figures are editable and are not UncleVibe’s personal finances.
How this works & assumptions
Contributions happen at month-end until retirement and rise with inflation. Spending and reliable income stay fixed in today’s purchasing power. Withdrawals start at the beginning of each retirement month. Required savings fund the selected horizon with no inheritance target. Uses the same constant return before and after retirement; excludes volatility, sequence risk, tax rules and changes in income timing. Enter tax costs in spending and income after tax. This is a scenario, not a safe-withdrawal assessment.
Monthly real return = ((1 + (annual return − fees) / 100) / (1 + inflation / 100))^(1/12) − 1. Results show purchasing power today, not future nominal balances. Try lower returns, higher inflation and a longer horizon to compare scenarios.
Calculations happen on your device. No figures are sent to a server or stored. Educational estimates, not personalised financial advice.