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Retirement Profile
Please select current age
Please select retirement age
Please enter a life expectancy
%
Please enter a inflation percentage
Please enter a current monthly expenses
  
Pre-Retirement Savings
 
Post-Retirement Expenses & Savings
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Once you retire, your paycheck stops, but living expenses continue. A retirement plan ensures funds are available.

Retirement can last 20–30+ years. Without proper planning, savings may run out too soon.

Medical expenses rise with age. Retirement funds cover these costs without stress.

A retirement account grows enough to maintain lifestyle despite rising costs.

Reduces reliance on children, family, or government support.

Many countries offer tax-advantaged retirement savings plans that encourage individuals to save and invest efficiently for their future.

Decide retirement age & lifestyle. Estimate monthly expenses and target savings.

Allocate 10–15% income for retirement. Automate contributions.

Redirect non-essential expenses (like coffee) to retirement savings.

Start early to benefit from compound growth (401k, EPF, mutual funds).

Include medical and emergency funds to avoid debt.

Adjust contributions with income, lifestyle, or market changes.

Income changes, inflation, market shifts, tax updates, or life events require adjustments.

At least once a year, or after major events/market changes.

Risk of relying on family for basic needs. Causes stress & reduced independence.

Without planning, medical care may be inadequate.

Rising costs may outpace support. Children may also face financial struggles.

You control your money & future.

Less stress for you and your family.

Enjoy hobbies, travel, and quality healthcare.
Aspect Relying on Family Having Own Plan
Financial SecurityUncertainPredictable & Controlled
IndependenceLowHigh
Healthcare AccessRiskyBetter Choices
LifestyleLimitedFlexible
Family StressHighLow
Inflation ProtectionWeakManaged with Growth
Peace of MindLowHigh
Ready?

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Use RetirementCalculatorHub.com to calculate your needs and secure your future.