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 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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