Retirement planner
Enter savings, spending, pensions, stock share and fees: the planner runs thousands of possible market paths and shows how safe your plan is, how much you can spend and what fees and flexibility change.
Result
55%How often your money lasts to age 95, across 2,000 scenarios.
- Spending per year at 90% safety
- CHF 45,000
- Withdrawal in the first year of retirement
- 6.6%
- Savings at retirement (median)
- CHF 907,509
- In the worst tenth it lasts to
- 75
- Good
- Median
- Bad
The grey area shows where 8 in 10 scenarios land: between good (90th percentile) and bad (10th percentile). The line in the middle is the median. After costs, before taxes.
Show as table
| Age | Good | Median | Bad |
|---|---|---|---|
| 50 | 500,000 | 500,000 | 500,000 |
| 55 | 965,058 | 686,538 | 506,757 |
| 60 | 1,445,445 | 907,509 | 609,258 |
| 65 | 1,485,967 | 731,845 | 323,322 |
| 70 | 1,688,595 | 652,075 | 183,051 |
| 75 | 1,902,222 | 582,854 | 30,308 |
| 80 | 2,159,586 | 483,824 | 0 |
| 85 | 2,389,270 | 373,640 | 0 |
| 90 | 2,708,382 | 250,220 | 0 |
| 95 | 3,000,879 | 119,082 | 0 |
What costs change
With 0.20% instead of 0.80% costs a year:
- Safety
- 66% instead of 55%
- Spending per year at the same safety
- CHF 47,800 +CHF 2,800 a year
What you can change
| Spend 10% less | 69% |
| Retire 2 years later | 70% |
| Withdraw flexibly | 79% |
| 20 percentage points more stocks | 58% |
Stress test
If stocks fall 37.8% after inflation in your first year of retirement, as in Switzerland in 1974, and then return the median: your money lasts to age 81.
For comparison
| Your first-year withdrawal | 6.6% |
| 4% rule (Bengen, US data) | 4.0% |
| Morningstar, 30 years, 90% safety | 3.9% |
| 38 countries, couple aged 65, 95% safety | 2.31% |
Basis
For every year, the planner draws random returns from a distribution with the long-run values and volatility. That produces thousands of possible paths. It is not a financial plan and not investment advice; taxes are not included.
- 1Performance of Swiss equities and bonds, 1900–2025
- 2Determining Withdrawal Rates Using Historical Data
- 3What’s a Safe Retirement Withdrawal Rate for 2026?
- 4The safe withdrawal rate: evidence from a broad sample of developed markets
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