What your pension will not cover, the capital that closes the gap and how much to save each month until you retire.
Figures checked: October 2026 · Methodology and sources
In today's money, before tax. The capital is used up by the age you plan until.
Most pensions cover only part of the income you had while working. The gap between what you need and what the pension pays has to come from your own savings.
The calculator works in today's money: it takes inflation off the return, works out the capital that pays the gap from retirement to the age you plan until, subtracts what your savings will have grown to and spreads the rest over the months until you retire.
A common rule is 70 to 80 % of your last net income; less if your home is paid off, more if you plan to travel.
In the statement from your state pension (in Spain, the Seguridad Social simulator; in Switzerland, the AHV and pension fund statements).
Because outliving your savings is the bigger risk. Many people today live past 90.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
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