About these numbers

We go through your life one year at a time. Each year we add your pay, take off a rough guess for tax, take off your spending and loan payments, and see what's left.

Everything is in today's money. That means prices going up is already counted, so €1,000 in 2050 buys what €1,000 buys now.

Markets go up and down. So we try your plan in 1,000 possible futures, some lucky and some not. Your plan "holds up" in a future if you never run short of money. We pick the earliest year you could stop working where it holds up in at least 800 of them.

Our rough guesses

• Calm: savings grow about 1.5% a year.
• Balanced: about 4% a year.
• Bold: about 6% a year.
• United States: tax on pay about 20%, tax on growth about 15%.
• Portugal / EU: tax on pay about 27%, tax on growth about 28%.
• United Kingdom: tax on pay about 22%, tax on growth about 18%.
• Canada: tax on pay about 22%, tax on growth about 15%.

These are starting guesses, not tax advice. You can change them on your plan under "How we got this".