Expenses can change
Mark education costs or loan payments as ending, reduce commuting, or increase healthcare and lifestyle costs after retirement.
Smart retirement planning
Plan retirement around the life you'll actually live.
Education costs, loan payments or commuting may disappear. Healthcare or travel may rise. The Carrowmont Retirement Planner lets you model those changes instead of assuming today's household spending continues forever.
Retirement calculator: estimate the amount you may need, then open the detailed planner to model expenses, retirement income, goals and portfolio assumptions more closely.
Calculations run in your browserNo sign-up requiredCountry-aware currency formatting
UNDERSTAND BEFORE YOU MODEL
Understand retirement planning before you build the plan.
Start with the core question—how much retirement may require—then use the planner to model the expenses, income and timing that are specific to your life.
Different by design
More than “today's expenses × inflation”
The Carrowmont Retirement Planner separates the pieces that actually drive a retirement plan.
Income offsets withdrawals
Add pension, rent or annuity income so the portfolio only needs to fund the remaining retirement cash flow.
Cash flows are modelled over time
The planner evaluates retirement expenses, income and one-time goals across the years rather than relying on one static multiple.
What you can model
Your plan, category by category.
Use Quick Estimate for a fast answer, or Detailed Planner when you want to explain why your retirement lifestyle may cost less—or more—than life today.
See the planning workflow →ExpensesGeneral, healthcare, lifestyle and education inflation
Expense rulesContinue, end at age, change at retirement, start at retirement
IncomePension, rent, annuity and annual increases
GoalsCar, renovation, family support and medical reserves
SavingsExisting corpus plus current monthly investing
ScenariosCompare earlier or later retirement ages
Trust by transparency
See the assumptions behind the answer.
A retirement number is only as useful as the assumptions underneath it. The Carrowmont Retirement Planner shows the funding gap, expense changes, corpus construction and portfolio path instead of hiding the calculation behind a single result.
Start with your own numbers
Open retirement plannerBuild a retirement plan in minutes.
No account is required. You can optionally save the plan locally in your browser.