Check when you can retire
Move the sliders and see at once how much capital you need, at what age you can stop working and how many years the money will last.
Step by step
- Open Finance → Retirement.
- In the Saving card set your age, starting capital, monthly saving, investment return and inflation.
- In the Retirement card set the retirement age, the monthly withdrawal and the return on the remaining capital. You can add a state pension (ZUS).
- The result changes with every move of a slider. Changes are saved automatically.
How to read the result
- Retirement possible from — the lowest age at which the money lasts until age 95.
- Capital on retirement day — the number of zloty on the account. Below it is the same amount in today's money, after inflation.
- The money lasts — the age until which the capital covers your withdrawal.
- Capital needed — how much you need on retirement day for withdrawals to last until age 95. The bar shows how much of it your plan already reaches.
The i icon next to an amount says whether it is nominal (future zloty) or in today's money. You always enter the withdrawal and the state pension in today's money — the app raises them by inflation.
Capital from net worth
- Next to Starting capital click Calculate from net worth.
- Tick the items you want to live on in retirement, for example retirement accounts and funds. The flat you live in usually stays unticked.
- Click Apply — the total goes into the field and your selection is remembered.
Advanced view
The Simple / Advanced switch is in the top right corner. In the advanced view you set the return separately for each year: vertical sliders run from left to right, from today until retirement, in a range from −5% (a losing year) to 20%.
- Level out — the same return in every year.
- Lower with age — a higher return at the start, a lower one just before retirement.
- Add a crisis — two losing years and a rebound year, to check whether the plan survives.
Good to know
- The grey dotted line on the chart shows a worse scenario: a return 2 percentage points lower.
- The Year-by-year table below the chart shows contributions, gain, capital and withdrawals in each year.
- When the plan falls short, the message at the top names the smallest change: a later retirement age or a higher monthly saving.
- The simulation is an estimate, not investment advice. It does not include tax on gains.
Common questions
What return and inflation should I enter?
Nobody knows them in advance, so it is worth checking a few variants. A cautious assumption is a return 2–4 percentage points above inflation. The grey dotted line on the chart shows what happens with a weaker result. Hover over a button to see what it does.
Why is the amount in today's money much lower?
Because prices rise. A million zloty in 25 years will buy less than a million today. The amount in today's money shows the real buying power of your capital.
Can the other person on a shared account see the settings?
In the Shared space, yes — you have one common plan. In the Mine space everyone has their own assumptions.