Free income calculator
How much do you need to accumulate to withdraw the amount you want every month?
Choose how the capital should be used, enter your age, desired income and what you already have. You will immediately see the amount required, any shortfall or surplus, and a clear path for your capital at every age.
1
Choose a plan and the relevant ages
Decide whether the capital may be spent down, whether a reserve must remain, or whether the model should preserve it indefinitely. Then enter when you want the income to start and when your pension will begin.
2
Enter the three key amounts
Enter your desired monthly income, the capital you have already accumulated and your monthly contribution. Contributions stop automatically when the income begins.
3
See the result alongside the inputs
You will immediately see the capital required, any shortfall, when the money would run out and what you could change. You can also refine the pension, return and inflation assumptions.
Your result
How much capital do you need?
Capital path by age
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Compare the options
Three plans using the same figures
Position when income starts
At the chosen age, €0 remains
- Possible income
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- Capital required
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- First-year withdrawal
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At the chosen age, the reserve remains
- Possible income
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- Capital required
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- First-year withdrawal
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Capital never runs out
- Possible income
- —
- Capital required
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- First-year withdrawal
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How is it calculated?Return and withdrawal rate are not the same
Model rules: all amounts are shown in today’s purchasing power. Contributions are added at the end of each month only until the selected income start date, then stop automatically. Withdrawals are made at the beginning of the selected period, while the remaining capital stays invested. The pension is indexed annually only until the entered pension age; after that, its purchasing power is held constant. The historical 9.32% pension-indexation option is a geometric average calculated from the official 2020–2026 coefficients, not a forecast. “Capital never runs out” represents only a mathematical scenario with a constant return. Taxes and sequence-of-returns risk are not included. Sources: Sodra, ECB.
