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The interactive demo combines generated balances with illustrative growth, contribution and drawdown assumptions. Its dates and home currency adapt when the demo loads. All edits are temporary and do not affect your saved plan.
Try a different target basis, pension access year or expected return. Contribution end years are independent of the drawdown start: in the demo, pension additions continue after cash and investment additions stop.
The fixed scenario below explains the bridge between stopping work and accessing a pension. Its dates and amounts remain fixed so the assumptions and results can be read together. It is separate from the editable demo above.
Start in 2026 with €30,000 cash, €170,000 investments and a €150,000 pension, with no property or debts. Assume annual growth of 0% for cash, 5% for investments and 4% for the pension, plus 2% inflation.
Add €1,000 a month to investments and €300 a month to the pension through 2035, with inflation adjustment enabled. Drawdown starts in 2036 at 4% of the liquid portfolio then available. The resulting annual withdrawal rises with inflation. The pension unlocks in 2041 and the pension-access rebase is off.
The five bridge years are 2036–2040. During those years the pension still grows, but it cannot fund withdrawals or count toward the target. The table shows year-end balances after that year’s growth, additions and any drawdown; 2026 is the opening snapshot.
| Year | Accessible net worth | Pension balance | Drawdown taken |
|---|---|---|---|
| 2026 | €200,000 | €150,000 | €0 |
| 2036 | €441,861 | €265,614 | €18,411 |
| 2040 | €447,934 | €310,731 | €19,929 |
| 2041 | €771,948 | €314,869 | €20,327 |
| 2051 | €918,920 | €358,186 | €24,779 |
First target year for €600,000 nominal: 2041. A €600,000 target in 2026 purchasing power: Not reached within the 100-year target search. Changing target denomination changes the threshold, not the projected balances. These constant-return scenarios do not establish a safe retirement date and omit volatility, taxes and fees.