Extra years beyond life expectancy for conservative planning.
Retirement income plan
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€
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Pension, annuity, rental income or similar recurring income.
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mode
Assets and growth assumptions
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€
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yr
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yrs
Primary result
On track
financial plan status
Retirement outlook
Retirement horizon
0 yrs
Retirement assets
€0
Annual gap
€0
Net income basisPortfolio likely lasts3-year buffer
Actions
Longevity signal
Strong
Under the current assumptions, assets appear positioned to support the planned retirement horizon.
Core planning view
Years to retirement
0
time remaining to build assets
Planning horizon
0
retirement years to fund
Needed at retirement
€0
target capital estimate
Surplus or shortfall
€0
assets minus target need
Income need detail
Annual spending at retirement
€0
Guaranteed income
€0
Other income
€0
Gross withdrawal need
€0
Required annual portfolio support
€0
Longevity detail
Assets at retirement
€0
Safe withdrawal target capital
€0
Horizon-based capital need
€0
Estimated asset longevity
0 yrs
Projected end balance
€0
Scenario comparison
Required capital
€0
target need
Projected capital
€0
at retirement
Portfolio lasts
0 yrs
estimated support
Cal insight
Enter age, life expectancy, planned income and asset assumptions to estimate whether assets may support the intended retirement horizon.
Capital comparison
Needed capital
Projected capital
End balance
Retirement summary table
Measure
Amount
Projection table
Year
Age
Portfolio
Withdrawal
End balance
What this calculator does
This calculator estimates the financial burden of funding retirement through your expected lifespan. It projects assets to retirement, inflates spending needs, subtracts expected recurring income and estimates whether portfolio withdrawals may last through the selected planning horizon.
Core formulas
Planning horizon = life expectancy + buffer − retirement age
Annual gap = retirement spending need − guaranteed income − other income
Safe capital target = annual gap ÷ target withdrawal rate
A plan that works for a 20-year retirement may fail over a 30-year retirement. Small changes in life expectancy, inflation or annual withdrawals can materially change the amount of capital required.
How to use it properly
Use conservative return assumptions, realistic inflation and a practical longevity buffer. Guaranteed income should include only the recurring income streams you are reasonably confident will continue through retirement.
Frequently asked questions
The planning horizon is the number of retirement years you want your assets to support, measured from retirement age through life expectancy plus any added buffer years.
A longevity buffer helps test whether the plan can tolerate living longer than the base life expectancy assumption.
The annual gap is the portion of retirement spending that still needs to be funded by portfolio withdrawals after guaranteed and other retirement income are subtracted.
No. This is a planning estimate tool. Taxes, market sequence risk, healthcare shocks, inheritance, pension rules and spending changes can materially affect real outcomes.
The safe withdrawal approach is a quick benchmark, while the horizon-based capital need uses the selected return and retirement duration assumptions. Viewing both gives a stronger planning range.
It is the approximate number of retirement years the portfolio can support under the entered return and withdrawal assumptions before being depleted.
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Life Expectancy Financial Planning Calculator Report