Retirement Savings Goal Planner

Educational tool — not financial advice. Enter the annual retirement expenditure you expect and this planner estimates the retirement lump-sum target and recurring monthly savings required under withdrawal-rate and inflation scenarios.

Desired annual retirement expenditure (today's currency)

Years until retirement

Years in retirement (plan horizon)

Expected annual return before retirement (%)

Expected real return during retirement (%)

Estimated annual inflation (%)

Safe withdrawal rate (%)

Current retirement savings (optional)

Educational only — not financial advice. This simplified planner uses steady rates and does not model sequence-of-returns risk, taxes, or unpredictable events. Use scenarios for planning only.