Savings target calculator
How much you need saved for your retirement spending, under the 4% rule and under more cautious studies.
Savings target calculator
CHF
CHFIncome that lasts for life, such as a state or company pension.
Under the 4% ruleCHF 800,000More cautious, with data from 38 countries: CHF 1,385,000
To be covered from savings: CHF 32,000 a year
| Withdrawal | Multiple | Savings | |
|---|---|---|---|
| 4% ruleBengen 1994, US data, 30 years | 4.0% | 25.0× | CHF 800,000 |
| Morningstar 202530 years, 90% success | 3.9% | 25.6× | CHF 821,000 |
| 38 countriesAnarkulova 2025, couple from 65, 95% success | 2.31% | 43.3× | CHF 1,385,000 |
Assumes the income starts in the first year of retirement. If a pension starts later, you need more.
Your entries stay in this browser only.More in the article: The 4% rule: what it really says and why newer research is more cautious