Retirement Savings Calculator
This retirement calculator projects the size of your fund at retirement, its inflation-adjusted real value, and the monthly income it can sustainably provide. Example: a 35-year-old with CHF 50,000 saved who adds CHF 1,000 monthly at 6% retires at 65 with about CHF 1.15 million — roughly CHF 620,000 in today's purchasing power.
How retirement works in Switzerland, Germany, France and Italy in 2026. State pensions, occupational schemes, private savings and the real gap you need to close.
How to use this calculator
- 01Enter your current age and target retirement age.
- 02Add what you have saved for retirement today.
- 03Set a realistic monthly contribution you can sustain.
- 04Pick an expected annual return and the local inflation rate.
- •Starting 10 years earlier roughly doubles the final fund.
- •Inflation can quietly halve real purchasing power over 30 years.
- •The 4% rule estimates a sustainable annual withdrawal.
- •Diversified equity portfolios average 6–8% long term in EUR/CHF.
Frequently asked questions
What annual return should I assume?
A diversified global equity portfolio has historically returned 6–8% per year. For mixed portfolios closer to retirement, 4–5% is a more conservative planning figure.
What is the 4% rule?
The 4% rule estimates that withdrawing 4% of your fund in the first year, then adjusting for inflation, gives a high chance of the money lasting at least 30 years. This calculator uses 4% to estimate monthly income.
Why show inflation-adjusted value?
A million today buys far more than a million in 30 years. Discounting future value by inflation tells you what the fund will actually buy — the number that matters for lifestyle planning.
Should I include Swiss Pillar 2 or German Riester?
No — add those separately. This tool models private savings (Pillar 3a, brokerage, ETF) so you can layer state and occupational pensions on top.
What if I retire 5 years earlier?
Shortening the horizon by five years can cut the final fund by 25–35% because of lost compounding. Increase contributions or accept a smaller withdrawal to compensate.
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