Can I retire when I want?
See whether your plan looks strong, borderline, or risky based on your own assumptions.
Free retirement calculator
Plan your path to
early retirement
Estimate whether your savings, monthly investments, and spending plan can support the retirement age you want.
No sign-up · Educational tool · Not financial advice
Three questions. One clear answer.
Roveno helps you understand where you stand — and what to do next.
What if things change?
Adjust retirement age, spending, savings rate, inflation, and market assumptions live.
What should I change?
Turn the result into practical next steps instead of just looking at numbers.
Your retirement plan
Enter your details — the result updates live as you type.
Acceptable plan
Retiring at 55 looks realistic under your assumptions.
nominal value
real value
vs 4% safe rate
target: age 90
today's money
Assumptions used5.0% return2% inflation60/25/15 stocks·bonds·cashretire at 55
These are simplified estimates based on the assumptions you entered. Withdrawal rate is shown in today's money, comparable to the 4% safe-withdrawal guideline. Roveno is an educational tool, not financial advice.
Recommended next action
Consider increasing monthly savings by €200-400, or reducing target spending to create more buffer.
Want to keep this plan?
Roveno does not save your numbers yet. The mobile app remembers every scenario, so you can revisit and compare them over time.
Portfolio projection
Hover over the chart to see values at any age
Portfolio balanceRetirement (FIRE)Pension startsWithdrawal phase
This projection is based on your assumptions and is not a guarantee. Results depend on actual market performance and circumstances.
Plan interpretation
Based on your numbers. Not financial advice.
The plan clears the core horizon, but the withdrawal rate is above the strongest range.
Your retirement portfolio is projected to cover spending, though less comfortably than a low-withdrawal plan.
A weaker market or higher spending could push the plan toward the borderline range.
Compare a small savings increase with a modest spending reduction.
What if your assumptions change?
The mobile app lets you compare scenarios - retiring earlier, saving more, spending less, or using conservative market returns.
Frequently asked questions
How the Roveno retirement calculator works, and the FIRE basics behind it.
How does the Roveno retirement calculator work?
You enter your current age, savings, monthly contributions, target retirement age, and expected spending. Roveno projects your portfolio year by year using your investment allocation and return assumptions, then shows your portfolio at retirement, your withdrawal rate versus the 4% safe-withdrawal guideline, and the age your money is projected to last to.
Is the Roveno calculator free to use?
Yes. The Roveno retirement calculator is completely free, requires no sign-up, and runs in your browser. It is an educational tool, not financial advice.
What is FIRE (Financial Independence, Retire Early)?
FIRE stands for Financial Independence, Retire Early. The goal is to save and invest enough that the returns and withdrawals from your portfolio can cover your living expenses, letting you retire well before traditional retirement age.
What is the 4% rule and safe withdrawal rate?
The 4% rule is a common guideline suggesting that a diversified portfolio can sustain roughly a 4% annual withdrawal, adjusted for inflation, over a long retirement. Roveno shows your withdrawal rate in today's money so you can compare it against this guideline. It is a rule of thumb, not a guarantee.
How much money do I need to retire early?
A common starting point is 25 times your expected annual spending, which corresponds to a 4% withdrawal rate. Roveno lets you test your own numbers — savings, returns, inflation, taxes, and spending — to see whether your target retirement age looks strong, borderline, or risky.
Does Roveno give financial advice?
No. Roveno is an educational planning tool that produces simplified estimates based on the assumptions you enter. Results depend on actual market performance and your circumstances, and may differ from real outcomes. It is not financial advice.
Early access
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