Retirement Calculator
Project your retirement nest egg from current savings + monthly contributions. Plus monthly income using the 4% safe-withdrawal rule.
Where the nest egg comes from
How to use
- 1
Enter your current age + the age you want to retire at.
- 2
Add your current retirement savings (across all accounts) + how much you're adding each month.
- 3
Pick an expected annual return — 5-7% after fees/inflation is a reasonable assumption.
- 4
The result shows your projected nest egg, the monthly income it would produce at retirement using the 4% rule, and how much of the total came from interest vs your contributions.
Frequently asked questions
From the 1994 Bengen study + 1998 Trinity Study: a retiree who withdraws 4% of their starting portfolio in year 1, then adjusts for inflation each subsequent year, has historically had a >95% chance of not running out of money over 30 years (assuming a 50-75% stock allocation). It's a starting point, not a guarantee.
3.5% gives extra margin if you're retiring early (40+ years of withdrawals) or worried about low future returns. 3% is very conservative. 5% is risky over long retirements but fine if you have a backup income (state pension, etc.).
After-inflation, after-fee returns: 5-7% is the common planning range for a 60-80% equity portfolio. Don't use the gross nominal historical average (~10% for US stocks) — you'll overestimate.
Include the cash value of your accrued gratuity in 'current retirement savings', and any auto-contributed savings programs (like SAVE in DIFC) too. Gratuity isn't a pension but it's retirement-allocated cash you'll receive when you leave the country.
If you're staying in UAE, AED. If you're planning to retire elsewhere, use the currency you'll spend. The AED is pegged to USD so the difference for UAE-domiciled investors is mostly cosmetic.
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Source: Bengen 1994 / Trinity Study — 4% safe withdrawal rate · Last verified 2026-06. Trinity Study. This tool provides estimates only and is not legal, tax or financial advice. Always verify your specific situation with the relevant UAE authority or a licensed advisor before taking action.