Retirement Calculator
Use this free retirement calculator to estimate the pot you could build by the time you retire, and roughly what it would give you to live on each month.
Retirement Calculator
See roughly how big your retirement pot could grow, and what that means as monthly income later.
A projection, not a promise. Real returns vary and inflation lowers future buying power. Starting early and investing every month is what matters most. The 4% rule is a rough guide to how much you can withdraw each year.
How it works
The tool grows your current savings plus everything you add each month at your chosen yearly return, compounded monthly, until your retirement age. It then applies the 4% rule, a common rule of thumb that you can withdraw about 4% of your pot a year, to estimate monthly income. Starting earlier gives compounding more time to work, which usually matters more than the exact amount you save. See compound interest and retirement options in Pakistan.
Frequently asked questions
How much do I need to retire?
A common guide is a pot large enough that 4% of it covers a year of expenses. So if you need Rs 1,200,000 a year, you would aim for roughly Rs 30,000,000. Your real number depends on your lifestyle, inflation and any other income.
What return should I assume?
Be conservative. Long-run stock returns are often cited around 8 to 12 percent before inflation, but markets fall too. A careful figure protects you from an over-optimistic plan.
Does this account for inflation?
No, the figures are before inflation. Because prices rise over time, the future pot will buy less than the same number does today, so treat it as a guide and revisit it as your income grows.
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