What could my pot pay in retirement?
Two questions, and they are not the same one: how large the pot gets, and what it pays out once you stop adding to it.
What the calculator does
It grows what you hold plus what you add each month at the return you choose, up to the age you choose, and then draws down at a rate you set. Every figure is yours: nothing is assumed on your behalf and no rate is called safe, because what is prudent depends on things a calculator cannot see.
What it deliberately does not do
- It models no tax, which for a pension is often the largest single deduction.
- It names no product — no fund, no provider, no policy. That is a line Valnivo does not cross.
- It does not tell you a withdrawal rate is safe. It shows you what the one you chose implies.
For a projection that carries your real accounts, several countries and their own inflation rates, the app itself does more than this single calculator can.
Try it
Everything you type here stays in this browser. Nothing is uploaded, nothing is saved, and no account is needed. The same calculator can go on your own site — see the widgets.
About Valnivo
Valnivo is a free financial planning tool that projects your income, spending and savings over 10, 20 and 30 years. It handles money held in several countries and currencies, and it is private by default.
It holds no money, connects to no bank and never asks for banking credentials. Every figure it shows is an illustration built on your own assumptions, not a forecast and not advice. Open the app.