Enter your monthly take-home pay and what you save. Everything is calculated in your browser, and nothing you type is sent or stored.
Enter your take-home pay and what you save to see your savings rate.
This is an illustration based on the numbers you enter, not financial advice. The time estimate assumes your income, spending and real return stay the same and that you start from nothing.
Your savings rate is the money you save and invest divided by the income it comes from. The first figure uses your take-home pay, so it reflects what you set aside from money you could otherwise spend. If you add pension contributions, the second figure adds them to both sides, which shows how much of your total pay is going towards your future.
If you save a fixed share of your income and spend the rest, your spending sets the size of pot you need, and your savings build it. The estimate uses those two things with your chosen real return and withdrawal rate, starting from nothing. A higher savings rate shortens the time twice over: you build faster, and you need a smaller pot.
Pension money can't usually be accessed until the minimum pension age, so if you include a lot of pension saving, think about what you'd live on before then.
It ignores tax, fees, pay rises, spending changes and the order in which good and bad investment years arrive. Treat the result as a way to compare scenarios, not as a forecast.
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