Step 1: How to use this calculator?

{'step': 1, 'description': 'Convert annual rate to monthly', 'calculetion': '6% ÷ 12 = 0.5% monthly'}

Step 2: How to use this calculator?

{'step': 2, 'description': 'Calculate Total months', 'calculetion': 'years × 12 = months'}

Underestimating lifespan and planning for too short retirement period

Not increasing contributions as income grows over career

Calculateur Retraite

Last updated: 2026-08-24

Calculateur Retraite — Calculez Required savings = Annual spending × Retirement years / (1+r)â¿ (simplified). Exemple: Retire at 65, â€2,000/month, 25 years retirement, 4%...

Inputs

Result

Enter values and press Calculate

Was this helpful?

How to use it

{'step': 1, 'description': 'Convert annual rate to monthly', 'calculetion': '6% ÷ 12 = 0.5% monthly'}
{'step': 2, 'description': 'Calculate Total months', 'calculetion': 'years × 12 = months'}
{'step': 3, 'description': 'Calculate future value of current savings', 'calculetion': '€45,000 × (1.005)^300 = €200,844'}
{'step': 4, 'description': 'Calculate future value of contributions', 'calculetion': '€500 × [((1.005)^300 - 1) ÷ 0.005] = €346,497'}
{'step': 5, 'description': 'Sum both components', 'calculetion': '€200,844 + €346,497 = €547,341'}

Common mistakes

⚠️ Underestimating lifespan and planning for too short retirement period
⚠️ Not increasing contributions as income grows over career
⚠️ Being too conservative with investments early in career

Worked example

Projecting retirement savings with €45,current balance, €monthly contributions at 6% return over years.

Your total_acumulado of {total_acumulado} at retirement includes {aportado} contributed and {rendimientos} in investment returns.

Input guide

Field	Typical range
anos_jubilacion	5-40 years until retirement
rentabilidad_pct	3-10% expected returns
ahorro_actual	€0 - €500,000+ current savings
aportacion_mensual	€100 - €5,000+ monthly contributions