How much do I need to retire?

A common rule of thumb is 25× your annual expenses. If you need 60,000 riyals a year, aim for about 1.5 million. Your projected balance and the 4% rule help you check whether you are on track.

What return should I assume?

For long-term planning, 6–7% is a common assumption for a diversified portfolio, after accounting for inflation. Past performance does not guarantee future returns.

Is the 4% rule still safe?

The 4% rule is a guideline, not a guarantee. Many planners now use 3–3.5% to be more conservative, especially for longer retirements. Treat it as a starting point.

Plan your retirement

See how much you could retire with.

Enter your current age, savings, monthly contribution and expected return to project your retirement balance and monthly income.

Step 1 — Inputs

Retirement calculator

Enter your current age, retirement age, savings and monthly contribution to project your retirement balance.

Step 2 — Results

Your retirement projection

Projected balance at retirement: ﷼ 3,251,591.74
Estimated monthly income: ﷼ 10,838.64
Total contributions: ﷼ 820,000.00
Total growth (interest): ﷼ 2,431,591.74

Years until retirement: 30 years

Estimates only — not financial advice. Returns vary and are not guaranteed. Inflation, fees and taxes are not included. Consult a financial advisor.

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How This Calculator Works

Your retirement balance comes from three things: what you already have, what you add each month, and the return those grow at.

Because growth compounds, the money you invest early works far harder than the money you invest late — this is the single biggest factor in how much you retire with.

How the projection works

Each month your balance grows by the monthly return, then you add your contribution:

balance = balance × (1 + r) + contribution

balance — your savings balance
r — monthly return (annual return ÷ 12)
contribution — your monthly deposit

The 4% rule

To estimate monthly retirement income, the calculator applies the widely-used 4% safe withdrawal rule: you can likely withdraw 4% of your balance in the first year and adjust for inflation after that. Your estimated monthly income is your balance × 4% ÷ 12.

Tips to retire with more

1
Start early
Time is the biggest lever. Starting 10 years earlier can more than double your balance — even with the same monthly contribution.
2
Increase contributions
Raising your monthly contribution by even 500 riyals compounds into a dramatically larger balance over decades.
3
Mind the return
A higher return grows your money much faster, but higher returns mean higher risk. A 7% long-term average is a common planning assumption.