What it would take
This is how much you would need to save each month for the capital to last to 85 — by assumed return.
The return tiers are calculation assumptions, not promises. They describe what if — not what an investment delivers. Higher tiers imply higher risk, up to the total loss of individual positions. The calculator assumes a constant annual return; real markets fluctuate, and the order of returns changes the outcome materially. Taxes on investment income, product and custody costs are not included. This page is not investment advice.
Assumptions. Retirement at 67, horizon to 85. Inflation 3.5 % p.a. on spending, rent +2.5 %, state pension +2.5 %, 30 % tax on retirement income, savings rate rising 5 % a year and ending at retirement. The calculation core is checked against the model spreadsheet and matches all five reference cases to the cent.