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Plan your retirement savings and estimate monthly retirement income
Retirement Calculator estimates how much you need to save today and each month to maintain your desired lifestyle in retirement, accounting for current savings, expected returns, inflation, and the number of years until and during retirement.
Enter your current age, retirement age, life expectancy, current savings balance, monthly contribution, expected annual return, estimated inflation rate, and desired annual retirement income. The tool calculates whether you are on track, how much of a gap exists, and what adjustments close it.
Retirement planning requires balancing multiple variables across decades — a calculation that defeats most spreadsheets. This calculator distills the complexity into a clear on-track or shortfall assessment with actionable numbers to get you where you need to be.
Start retirement planning early by seeing how even modest monthly contributions compound dramatically over 30 or 40 years.
Evaluate whether current savings and contributions are sufficient given the remaining time before retirement.
Fine-tune the final years of saving and understand what monthly income your accumulated nest egg can sustain.
Generate retirement projections for clients to support conversations about contribution rates, lifestyle expectations, and savings gaps.
Age 30, retiring at 65, with KSh 100,000 in savings and KSh 10,000 monthly contributions at 8% return and 4% inflation. The calculator shows whether this path sustains the desired KSh 100,000 monthly retirement income or reveals the gap to close.
Age 50 with KSh 5 million saved, KSh 30,000 monthly contributions, planning to retire at 60. The tool shows if the current trajectory covers the desired income or if catch-up contributions are needed in the final working decade.
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Plan your retirement savings