How much do I need to save for retirement?

A common target is to accumulate a nest egg equal to 25 times your expected annual expenses, allowing for a 4% safe withdrawal rate.

FIRE & Retirement

Retirement Calculator

Plan your retirement timeline. Calculate standard retirement savings and income, fully adjusted for inflation.

Calculator Inputs

Current Age

Retirement Age

Annual Expenses Today (€)

Current Portfolio (€)

Monthly SIP (€)

Expected Annual Return (%)

Expected Inflation Rate (%)

Retirement Readiness:88.6%

€1,64M

€885,79K

Purchasing Power Lost

46.1%

Real Wealth Insight

Inflation-Adjusted

€1,64M

€885,79K(-46%)

Inflation Loss Intensity46.1%

Inflation at 2.5% erodes €756,42K in buying power over 25 years.

Key Strategic Takeaway

With annual expenses of 40.000 €, your FIRE target is €1M (real) → €1,85M nominal in 25 years. Based on current savings and SIP, projected corpus is €1,64M (€885,79K real) — 89% of goal.

Actionable Next Steps

Step-Up SIP Calculator

Inflation is eating 46% of your returns. Try increasing your investments annually to beat it.

Target Corpus Calculator

See exactly how much you need to invest monthly to reach your actual goal after inflation.

FIRE nest egg target (real terms)€1M

FIRE nest egg target (nominal terms)€1,85M

Savings Growth to Retirement Age

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Return Scenario Comparisons

Conservative (-2%)

6.0% Return

€1,13M

€607,16K

Power Lost:46.1%

Expected (Base)

8.0% Return

€1,64M

€885,79K

Power Lost:46.1%

Optimistic (+2%)

10.0% Return

€2,42M

€1,31M

Power Lost:46.1%

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Methodology: Mathematical FormulasData Sources: Inflation & Tax CitationsDisclaimer: Legal Disclosures

Calculation Methodology & Formulas

Retirement nest egg target is computed as:

Retirement Corpus = Annual Retirement Expenses × 25

Real-World Compounding Projections

Standard retirement at age 60

With $50,000 expected annual expenses in retirement, your real target nest egg is $1,250,000. Under 2.5% inflation over 25 years, the nominal target climbs to $2,317,432.

Frequently Asked Questions (FAQ)

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