Today: measure your gap
Without measuring, there is no real decision—only a feeling. Every month you postpone, you pick uncertainty again.
Example figures (you will swap in yours)
200,00 €/month for 30 years at ~6% per year → about 200.903,01 € accumulated in this model.
Same 200,00 €/month but starting 10 years later: about 108.494,83 € less capital at the end—same assumptions.
Example only; your numbers will differ.
How much do I need to retire? Retirement calculator & simulator (Spain)
Under 2 minutes: projected balance, your gap, and what changes if you contribute more. No jargon—number first, then you decide.
Almost everyone leaves the number for “later.” If that sounds familiar, you are in good company—but the clock keeps running.
What matters is your % versus your goal, not a leaderboard. One click and you see it.
Right now
Delay has a cost: if you started 10 years later with the same monthly amount, the hit to final capital would be roughly:
108.494,83 €
One minute of inputs. Number first—tune after.
Illustrative.
Either you run the planner today and see your gap in numbers—or you keep guessing while another month passes. There is no third path that shows up as a figure.
Free · No card · Result in under 2 min · No account to view
Result first; adjust assumptions after if you want.
Retirement calculator & guides to invest with clarity
If you prefer reading before simulating, pick the guide that matches your intent: concepts or an ordered checklist.
Core concepts for beginners
What investing is, common asset types, risk vs reward, and how saving differs—plain language, no hype.
Read the concepts guideHow to start investing, step by step
A practical sequence: stabilize basics, name goals, pick wrappers, automate contributions, and review calmly.
Open the step-by-step guideBeyond the calculator
Avoid finding out too late it wasn't enough
The calculator is a snapshot; your life is month after month. A free account keeps your retirement goal next to real spending so you can see early whether you are on track—and fix course before the mistake is irreversible.
FAQ: retirement calculator, retirement simulator, and how much to save
How much do I need to retire?
It depends on spending, age, and contributions. The planner shows a scenario with accumulated capital and assumed returns; you can change monthly contributions and retirement age to see the impact. This is not personalized advice.
How do I know if I am below what I need?
Use the retirement planner: it shows projected capital and—if you enter a desired monthly income—whether your illustrative portfolio income is above or below that target. If you skip the goal, compare the balance and withdrawal-based income to what you would need in your own budget. It is scenario math to spot under-saving in the model, not a verdict on your life.
What is the difference between the retirement planner and compound interest?
The retirement planner combines age, contributions, and retirement timing. The compound-interest calculator focuses on how capital grows with periodic contributions. Use retirement first for the big picture, then compound interest for detail.
Do I need an account to see results?
You can use the public calculators without an account. An account helps you save goals and track money in daily life.
Educational tool. Not investment advice. For important decisions, check local rules and speak with a regulated professional if needed.