Inputs
Use simple numbers first.
This estimate uses annual expenses divided by withdrawal rate, then projects savings using your return and contribution assumptions. It is educational, not financial advice.
Retirement Target
€0
Projected Savings
€0Gap / Surplus
€0InterpretationEnter values
RetirementTarget and gap
Next stepTrack it over time
What this means
Retirement planning starts with expenses.
Your target depends heavily on annual expenses and withdrawal assumptions. Treat the result as a planning range, not a promise.
Practical example
Expenses shape the target.
At €30,000 annual expenses and a 4% withdrawal rate, the simple retirement target is €750,000.
What to do next
Use this in the Finance Tracker.
Turn the result into a weekly review note, goal or spending pattern you can revisit over time.
Start Here
Follow the beginner path if you want a calmer order for using Noru.
How Much Money Do You Need to Retire?
Read the related guide for context before making decisions.