Retirement planner

ZenTrader Calculator for passive-income planning.

Estimate how current capital, savings rate, expected return, volatility, inflation, and withdrawal rules shape your long-term income capacity.

Want the full probability range instead of one projection? Try the Monte Carlo calculator (2,000 simulations) →

Current age35 Target age60

Portfolio nowEUR Monthly contributionEUR

Expected return6.0% Volatility14.0%

Inflation2.5% Withdrawal rate3.5%

Target monthly spendingEUR today

Educational estimate only. Results are not investment, tax, or pension advice. Market returns are uncertain and real outcomes can differ materially.

Portfolio at target

EUR 0

EUR 0 in today's money

Passive income

EUR 0

monthly, inflation-adjusted

Readiness

Projection path

Nominal portfolio growth

25 years

Required capital

EUR 0

Planning gap

EUR 0

Simulation runs

1,000

Monte Carlo simulation

Inflation-adjusted outcome range

0% target hit

P10 downside

EUR 0

P50 median

EUR 0

P90 upside

EUR 0

The simulation samples 1,000 annual return paths around the expected return using the volatility setting. P10 means 10% of simulated outcomes finish below that value.