8 min read
2026-01-30
Government pensions cover only basic needs. To maintain your accustomed standard of living, personal savings are necessary. The earlier you start, the easier the journey.
The 25x rule: multiply your desired annual retirement income by 25. If you want $2,000 per month ($24,000 per year), you need capital of $600,000.
The safe withdrawal rate is 4% of capital per year. At this spending rate, savings will last 25-30 years.
| Parameter | What It Affects |
|---|---|
| Current age | Accumulation period |
| Desired retirement age | Investment horizon |
| Monthly contributions | Accumulation speed |
| Return rate | Capital growth |
| Inflation | Real value of savings |
Calculate your plan with the Retirement Calculator.
See also: Investment Calculator, Inflation Calculator