Retire comfortably
Figure out your retirement number, how much to invest each month, and the split between pension, ISA / 401(k) / EPF, and regular investments.
4 calculators. In the right order.
Most money decisions need more than one number. Work through the 4 steps below in sequence — each links to the calculator that answers its question. Takes about 12 minutes end-to-end.
Step-by-step
- 01Step 1 of 4
Set the target
A common rule: 25× your annual spending is "enough" to retire on. Plug in your target lifestyle.
- 02Step 2 of 4
Max the tax-wrapped accounts
Every market has a tax-free or tax-deferred retirement account. Fill these first — the tax savings are the single biggest return you'll ever get.
- 03Step 3 of 4
Top up with monthly investing
Once wrapped accounts are maxed, run a systematic investment plan in a low-cost index fund.
- 04Step 4 of 4
Recheck every year
Inflation, job changes, and market moves all shift the target. Rerun this page every birthday.