Retirement Calculator

How much do you need to save each month?

Your Details

$
$

Return Assumptions

%
%
Monthly Savings Needed (today's dollars)
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Fixed amount in real (inflation-adjusted) terms
Nest Egg at Retirement
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Real Return
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Saving Years
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Retirement Years
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Portfolio Balance Over Time

Accumulation Drawdown

Year-by-Year Breakdown

Age Opening Balance Contribution / Withdrawal Investment Growth Closing Balance

All figures are in today's dollars (real terms). Real return = investment return − inflation, so your $28,000/month spending target keeps its purchasing power. Balance reaches ~$0 at life expectancy.

Your Details

$
$

Return Assumptions

%
%

Government Mandatory Savings Fund

$
$
%
Fund real return — (fund return − inflation from Your Details)
Projected fund balance at age 65 —

At the contribution end age, the accumulated fund balance is transferred into your investment portfolio and grows (or draws down) at the same rate as your other investments. It is not treated as a cash flow — it becomes part of your investable wealth from that age onward.

Additional Cash Flows (up to 5 — mortgage, university fees, superannuation, etc.)

Outflow = money leaving your pocket (mortgage, school fees). Inflow = money arriving (super, pension, inheritance).

Base Monthly Savings Needed (today's dollars)
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Your required saving before any additional cash flows are applied
Nest Egg at Retirement
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Real Return
—
Saving Years
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Retirement Years
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Portfolio Balance Over Time

Accumulation Drawdown

Year-by-Year Breakdown

Age Opening Balance Base Saving Extra Cash Flows Fund Transfer Investment Growth Closing Balance

All figures are in today's dollars (real terms). The base monthly saving is the fixed amount you set aside before any additional cash flows. Extra cash flows are applied on top each year — outflows reduce your portfolio, inflows boost it. Balance targets ~$0 at life expectancy.