Free • No login required

Retirement Savings Calculator

Project your retirement nest egg based on current savings, monthly contributions, expected annual return, and years until retirement. See if you are on track to hit your retirement goal.

Current Savings

₫

Monthly Contribution

₫

Expected Annual Return (%)

Years Until Retirement

years

Retirement Goal

₫

Fill in the fields above and click Calculate to see your results.

How to use

Project your retirement nest egg based on current savings, monthly contributions, expected annual return, and years until retirement. See if you are on track to hit your retirement goal.

How it's calculated

Monthly Return Rate

annual_return / 100 / 12

Annual return converted to monthly rate

Total Months

years_to_retire * 12

Investment horizon in months

Growth of Current Savings

current_savings * pow(1 + monthly_rate, months)

Future value of your existing savings

Future Value of Contributions

monthly_contribution * (pow(1 + monthly_rate, months) - 1) / monthly_rate

Future value of all monthly contributions compounded

Total at Retirement

future_current + future_contributions

Projected total retirement fund

Gap to Goal

max(0, retirement_goal - total_at_retirement)

How much more you need to reach your retirement goal (0 = on track)

Examples

50M saved, 2M/month, 7% return, 25 years

Expected Annual Return (%):7
Current Savings:50,000,000
Retirement Goal:2,000,000,000
Years Until Retirement:25
Monthly Contribution:2,000,000

200M saved, 5M/month, 8% return, 20 years

Expected Annual Return (%):8
Current Savings:200,000,000
Retirement Goal:2,000,000,000
Years Until Retirement:20
Monthly Contribution:5,000,000

Frequently Asked Questions

What annual return should I use?

A conservative estimate for a diversified portfolio in Vietnam is 6–8% per year. Stock market indices have historically returned 8–10% long-term, but Vietnamese markets can be more volatile. Use 5–6% for a conservative projection and 8–10% for an optimistic one.

How much should I save for retirement in Vietnam?

A common rule of thumb is to save 10–15% of your gross income for retirement. The 2 billion VND default target represents roughly 10–15 years of average living expenses. Adjust based on your expected lifestyle, healthcare costs, and whether you will receive a state pension.

Does this account for inflation?

No — this calculator uses nominal returns. To account for inflation, subtract the expected inflation rate from your annual return. For example, if you expect 7% returns and 4% inflation, use 3% as your real return rate.