The Radical Monk

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Retirement Calculator

Plan your freedom. See how your savings and investments guided by the 4% rule can grow and help you retire comfortably. Your journey to financial independence starts here.

"Wealth is not about having abundant possessions, but about having abundant choices."

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Your Financial Details

Disclaimer: None of your financial details are saved or monitored. This calculator is for informational purposes only. I cannot be held responsible for any financial decisions made based on this information.
The amount you have in your bank's savings account or fixed deposits.
The current monthly living expenses (including rent, utilities, groceries, etc.).
The monthly amount you are investing in ETFs, mutual funds, etc.
The average yearly interest you receive from your bank's savings account or fixed deposits.
The average yearly interest you receive from ETFs, mutual funds, etc.
The current annual inflation rate of the country where you live.
Your current age.
The age at which you hope to retire.
The guaranteed yearly income starting at a specific age, such as pensions, social security, or annuity payments.
The age at which your future guaranteed income begins.

Your Financial Journey

Calculation method: The 4% rule means you can safely withdraw 4% of your total retirement portfolio (“How much you will have”) each year, adjusted for inflation, to support at least 30 years of retirement.

How much you will have at age 60

The amount you will build based on your current savings and investments

How much you need to retire at age 60

The amount you actually need based on your current expenses + inflation

Years to Freedom

28 years

Based on your portfolio, you can retire by age 63 in 2053

Note: When you set your Target Retirement Age to match your calculated Years to Freedom, the values will align.
Emergency Fund (6 months)
What is Emergency Fund?

Before you chase your retirement dreams, set aside your emergency fund: 3–6 months of essential expenses. This is your safety net (in addition to your savings), so that life’s surprises don’t derail your long-term plans.

Retirement Readiness
On Track
"The journey of a thousand miles begins with a single step. Your financial independence journey begins today."