Pension Calculator

Provide your details to calculate your approximate retirement income.*

Based on your profile, we’ll identify any shortfall in reaching your desired pension and offer tailored strategies to help you achieve your financial goals.

*Your data stays with us - never shared.

We strictly follow the European General Data Protection Regulation (GDPR) guidelines to protect your privacy.

Discover Your Estimated Pension And Close The Gap

Our pension calculator, designed by financial experts for expats, helps you estimate your retirement income with ease. Simply enter your details to uncover potential gaps in your pension savings. You'll receive a personalized analysis and a free financial strategy to close the gap and secure your financial future.

Torc Wealth — Pension Calculator
Torc Wealth

Pension Gap Calculator

Discover the gap between your projected pension income and the retirement lifestyle you want — and exactly what it takes to close it.

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You
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Income
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Assumptions
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Results
Personal Details
Tell us about yourself so we can personalise your retirement timeline and life expectancy assumptions.
We use this to auto-calculate your current age.
Sets a default life expectancy, fully adjustable below.
Age & Retirement Timeline
Default is set by gender. This determines how many years your retirement fund must last.
Income & Pension Expectations
What income do you want in retirement, and what will your state or company pensions likely provide?
€
Optional — helps contextualise your retirement target.
€
We automatically adjust this for inflation to your retirement year.
State & Company Pensions
€
Combined state, company, and private pension income expected at retirement.
Unsure of your pension income? Set to 0 and focus on the full gap — you can always revisit.
Assumptions
These defaults are conservative and reasonable. Adjust them to explore different scenarios.
%
Applied to project your desired income into future euros.
%
Diversified long-term portfolios have historically returned 6–8% nominal.
ℹ Real return methodology
For retirement funding calculations we apply real return = (1+ROI) ÷ (1+Inflation) − 1, which keeps all lump sum figures in today's purchasing power, then converts back to nominal euros at retirement.

Your Retirement Picture

Based on your inputs — your personal pension gap and what it takes to close it.

Your monthly income gap at retirement
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Required lump sum at retirement
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Monthly investment starting today
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Age → Retirement
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Years until retirement
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Retirement years to fund
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Target income at retirement
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Expected pensions
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Inflation / Return
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Visualisation 1 — Your Pension Gap
Income Goal vs. Projected Income
Monthly income at retirement — showing your goal, projected pension, and the shortfall.
Goal Pensions Gap
Visualisation 2 — Projected Investment Growth
Capital Accumulation to Retirement
Annual snapshots showing contributions and compounding interest building toward your required lump sum.
Contributions Interest
What if you start later?
The Cost of Waiting
Every year you delay, compounding works against you. Drag the slider to see how much more you'd need to invest each month.
Delay investing by 0 years
Monthly investing needed
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Years left to invest
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Extra cost vs. now
€ 0
The Impact of Inflation
⚠ Inflation Erodes Your Purchasing Power
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Today's target
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Nominal at retirement
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Inflation uplift
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Year-by-Year Projection
YearTotal ContributedInterest EarnedEnd Capital

Save Your Results

Download a beautifully formatted PDF report of your pension gap analysis — branded, clear, and ready to share with your financial adviser.

Torc Wealth · www.torc-wealth.com · [email protected]
This calculator is for illustrative purposes only and does not constitute financial advice.

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