Retirement planning powered by historical data

Retirement Savings Calculator

How much do you need to retire comfortably - and are you saving enough each month to get there? Enter your retirement goal and timeline below. The calculator runs thousands of historical S&P 500 scenarios to show you the realistic range of outcomes.

Quick start

Goal amountHorizon (months)AssetCurrencyMy monthly contribution (optional for hit-rate)

Inflation-adjusted goal

How to use this retirement calculator

Get your personalised retirement savings plan in three steps.

Step 1

Enter your retirement goal

Set the total lump sum you want to have saved by retirement - a common rule of thumb is 25× your expected annual spending.
Step 2

Set your timeline

Enter the number of months (or years × 12) until you plan to retire.
Step 3

Enter your monthly contribution

How much can you invest each month? The calculator shows whether this gets you to your goal in pessimistic, median, and optimistic market scenarios.
Step 4

Read the outcome scenarios

Results are based on thousands of historical rolling periods. The P25, P50, and P75 columns show bad, median, and good market outcomes.

Next step

Understand compound interest → see the growth curve

Frequently Asked Questions

How much do I need to retire? ▼

A widely used rule of thumb is the "25× rule": multiply your expected annual expenses in retirement by 25. For example, if you expect to spend $50,000 per year, aim for a $1.25 million portfolio. This is based on the 4% safe withdrawal rate from historical research.

How does this calculator work? ▼

It runs your goal amount and monthly contribution through thousands of historical 12-to-360-month rolling windows from S&P 500 data. The P25, P50, and P75 results represent the 25th, 50th, and 75th percentile of all historical outcomes - giving you a realistic range rather than a single optimistic projection.

What is a P25 / P50 / P75 result? ▼

P25 means 25% of historical scenarios were worse (bad market), P50 is the median (average market), and P75 means 75% of scenarios were worse (good market). Planning to hit your goal at P50 is reasonable; planning for P25 is conservative and more robust.

Should I use my 401(k), RRSP, or ISA with this tool? ▼

Yes - enter your total target retirement savings regardless of which account type holds it. The calculator models investment growth only; it does not account for tax-sheltered growth, employer matching, or contribution limits. Consult a financial advisor for account-specific planning.

Does this tool account for inflation? ▼

You can toggle inflation adjustment on or off. When inflation is on, the required monthly contributions are expressed in today's purchasing power, which gives a more conservative and realistic picture of what you need to save.