Retirement calculator
Know your number
Find out how much you need to retire, the age you will actually get there and which levers bring it closer. Play with your plan: every decision shows up instantly.
Your retirement number at 65
$1.266.238.104
That is $450.000.000 in today's money (11.538 UF)
With your current plan you would reach your number at 88 years and 5 months. To retire at 65 the plan needs a tweak: the missions below show you how.
- If you change nothing, you would have
- $491.917.230
- by 2061, at age 65
- Your actual retirement age
- 88 years and 5 months
- in 2084
- To hit your goal, invest
- $466.784 more per month
- You are $774.320.874 short at age 65.
- Your money lasts
- Until age 76
- It runs out 14 years before 90.
Your plan level
Sprout
You already cover over a quarter of your number. Compound interest is starting to show.
55% of the way to Tree
- 0 XP
- 0 of 8 achievements
- Seed
- Sprout
- Tree
- Forest
- Summit
- Freedom
Your road to retirement
Chart of your savings against the number you need. At 65 you would need $1.266.238.104. Your savings reach that number at 88 years and 5 months.
- Number you would need
- Your savings if you keep investing
- Your savings after retiring
Hover or drag across the chart, or use the arrow keys, to walk through each age.
See the year-by-year table
| Age | Year | Number you would need | Your savings if you keep investing | Your savings after retiring |
|---|---|---|---|---|
| 30 | 2026 | $450.000.000 | $15.000.000 | — |
| 31 | 2027 | $463.500.000 | $18.450.000 | — |
| 32 | 2028 | $477.405.000 | $22.141.500 | — |
| 33 | 2029 | $491.727.150 | $26.091.405 | — |
| 34 | 2030 | $506.478.965 | $30.317.803 | — |
| 35 | 2031 | $521.673.333 | $34.840.050 | — |
| 36 | 2032 | $537.323.533 | $39.678.853 | — |
| 37 | 2033 | $553.443.239 | $44.856.373 | — |
| 38 | 2034 | $570.046.537 | $50.396.319 | — |
| 39 | 2035 | $587.147.933 | $56.324.061 | — |
| 40 | 2036 | $604.762.371 | $62.666.745 | — |
| 41 | 2037 | $622.905.242 | $69.453.418 | — |
| 42 | 2038 | $641.592.399 | $76.715.157 | — |
| 43 | 2039 | $660.840.171 | $84.485.218 | — |
| 44 | 2040 | $680.665.376 | $92.799.183 | — |
| 45 | 2041 | $701.085.337 | $101.695.126 | — |
| 46 | 2042 | $722.117.898 | $111.213.785 | — |
| 47 | 2043 | $743.781.435 | $121.398.750 | — |
| 48 | 2044 | $766.094.878 | $132.296.662 | — |
| 49 | 2045 | $789.077.724 | $143.957.429 | — |
| 50 | 2046 | $812.750.056 | $156.434.449 | — |
| 51 | 2047 | $837.132.557 | $169.784.860 | — |
| 52 | 2048 | $862.246.534 | $184.069.800 | — |
| 53 | 2049 | $888.113.930 | $199.354.686 | — |
| 54 | 2050 | $914.757.348 | $215.709.514 | — |
| 55 | 2051 | $942.200.068 | $233.209.180 | — |
| 56 | 2052 | $970.466.070 | $251.933.823 | — |
| 57 | 2053 | $999.580.053 | $271.969.190 | — |
| 58 | 2054 | $1.029.567.454 | $293.407.034 | — |
| 59 | 2055 | $1.060.454.478 | $316.345.526 | — |
| 60 | 2056 | $1.092.268.112 | $340.889.713 | — |
| 61 | 2057 | $1.125.036.155 | $367.151.993 | — |
| 62 | 2058 | $1.158.787.240 | $395.252.632 | — |
| 63 | 2059 | $1.193.550.857 | $425.320.316 | — |
| 64 | 2060 | $1.229.357.383 | $457.492.739 | — |
| 65 | 2061 | $1.266.238.104 | $491.917.230 | $491.917.230 |
| 66 | 2062 | $1.304.225.248 | $528.751.436 | $472.156.446 |
| 67 | 2063 | $1.343.352.005 | $568.164.037 | $449.386.556 |
| 68 | 2064 | $1.383.652.565 | $610.335.520 | $423.348.149 |
| 69 | 2065 | $1.425.162.142 | $655.459.006 | $393.762.190 |
| 70 | 2066 | $1.467.917.006 | $703.741.136 | $360.328.604 |
| 71 | 2067 | $1.511.954.517 | $755.403.016 | $322.724.758 |
| 72 | 2068 | $1.557.313.152 | $810.681.227 | $280.603.838 |
| 73 | 2069 | $1.604.032.547 | $869.828.913 | $233.593.103 |
| 74 | 2070 | $1.652.153.523 | $933.116.937 | $181.292.028 |
| 75 | 2071 | $1.701.718.129 | $1.000.835.122 | $123.270.299 |
| 76 | 2072 | $1.752.769.673 | $1.073.293.581 | $59.065.684 |
| 77 | 2073 | $1.805.352.763 | $1.150.824.132 | $0 |
| 78 | 2074 | $1.859.513.346 | $1.233.781.821 | $0 |
| 79 | 2075 | $1.915.298.746 | $1.322.546.548 | $0 |
| 80 | 2076 | $1.972.757.708 | $1.417.524.807 | $0 |
| 81 | 2077 | $2.031.940.440 | $1.519.151.543 | $0 |
| 82 | 2078 | $2.092.898.653 | $1.627.892.151 | $0 |
| 83 | 2079 | $2.155.685.612 | $1.744.244.602 | $0 |
| 84 | 2080 | $2.220.356.181 | $1.868.741.724 | $0 |
| 85 | 2081 | $2.286.966.866 | $2.001.953.645 | $0 |
| 86 | 2082 | $2.355.575.872 | $2.144.490.400 | $0 |
| 87 | 2083 | $2.426.243.148 | $2.297.004.728 | $0 |
| 88 | 2084 | $2.499.030.443 | $2.460.195.059 | $0 |
| 89 | 2085 | $2.574.001.356 | $2.634.808.713 | $0 |
| 90 | 2086 | — | — | $0 |
Milestones
When you reach each quarter of your goal number.
- 25%$316.559.526at 59 years
- 50%$633.119.052at 68 years and 6 months
- 75%$949.678.578at 74 years and 3 months
- 100%$1.266.238.104at 78 years and 4 months
Missions
Each mission is a real lever on your plan. Check its impact and apply it: your number is recalculated and you earn XP.
0/4
- +50 XP
Invest 10% more
Raise your monthly investment from $200.000 to $220.000.
You retire 1 year and 9 months sooner · +2.6 points of your number
- +50 XP
Spend 10% less in retirement
Plan a monthly budget of $1.350.000 instead of $1.500.000.
You retire 2 years and 8 months sooner · +4.3 points of your number
- +50 XP
Retire 2 years later
Move your goal from age 65 to 67.
+3.4 points of your number
- +50 XP
Cut your fees
Pick cheaper funds and raise your return from 7% to 7.5%.
You retire 5 years and 3 months sooner · +5.3 points of your number
Achievements
0 of 8 achievements
First step
You put your own numbers into the plan.
Locked
On track
Your plan reaches your number at the age you chose.
Locked
Early retirement
You can retire 5 or more years before your goal.
Locked
Autopilot
What you already have is enough to reach your number even if you stop investing.
Locked
For life
Your money outlasts your life expectancy.
Locked
Strategist
You completed 3 different missions.
Locked
Under the hood
You tuned the advanced assumptions.
Locked
Consistency
You came back another day to check your number.
Locked
How is it calculated?
Your number is your annual spending, grown with inflation until the age you want to retire, divided by the withdrawal rate. At 4%, that is 25 times what you will spend in a year at that age.
Your savings grow every year with the return you chose plus what you invest. Your actual retirement age is the moment your savings reach the number you would need at that age.
After retiring, each year you withdraw your spending adjusted for inflation and the rest keeps earning. That is how the calculator estimates how long your money lasts.
This calculator is educational and uses simple assumptions: constant returns, no explicit taxes or fees. It does not replace advice from a certified professional.