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Retirement Calculator
How much to save for a comfortable retirement?
You need to save / month
$176
35 years until retirement
Capital needed at retirement
$374,930
FV ahorros
$57,531
How this tool works
Public pensions no longer cover the standard most people aspire to. The reality of 2026: if you want a real monthly retirement income, you have to build it yourself with long-term investment savings.
This calculator solves the inverse problem: you define the monthly income you want at retirement, expected post-retirement years, realistic annual return (4-7% real is reasonable for a diversified portfolio), and it tells you how much to save each month starting today.
Use cases
- Plan retirement at 60 / 65 / 67
- Know if your current private pension plan is enough
- Compare scenarios with different expected returns
- Convince your partner that automatic saving is non-negotiable
Common pitfalls
- Assuming 10% returns: unrealistic sustained. 4-6% real is the historic 60/40 portfolio figure.
- Forgetting inflation: $2,000/mo today ≠$2,000/mo in 30 years (use the <a href="/en/herramientas/calculadora-inflacion-latam">inflation calculator</a>).
- Underestimating retirement years: life expectancy keeps rising. Plan for 25-30 years.
- Waiting for 'free money': compounding rewards starting early more than saving a lot.
Frequently asked questions
- What annual return is realistic?
- 60% stocks / 40% bonds: historical 5-7% real. 100% stocks: 7-9% real with more volatility. Bonds alone: 1-2% real. Crypto: anything, not for serious retirement planning.
- What if I start at 50?
- You'll need to save 4-5× more per month than someone who started at 25 to reach the same capital. The calculator shows it raw.
- Is this the same as a private pension plan?
- Almost never. Private plans charge 1-3% annual fees that eat 30%+ of final returns. Concrete action: ask for TER and compare with a low-cost index fund.
- What if I live in a high-inflation country?
- Save in real assets (USD, international stocks, productive real estate) — not local currency. The system breaks in countries with >50% inflation.