How long will your money last
when every month falls a little short?
Income, spending, loan and savings: you enter what you have and what you need. You see the month in which your cash would run out, with and without your shares.
- First calculation without an account
- Your figures are not stored
- No product sales, no advice
Your result in three steps
- 1 Enter your figures Income now and later, assets, loan and spending. Your pension comes from your pension statement.
- 2 See your result Gap, how long your savings last and remaining debt, plus your overall picture over the coming years.
- 3 Try variations A different retirement date, another instalment, less spending: change a figure, calculate again, compare.
With OWNAMIC you work with real figures
You can also …
Frequently asked questions
What return does the calculator assume?
None. Cash and shares keep the value you enter today. The only fixed assumptions are 2 % income growth and 2 % inflation a year: your income and pension rise with them, so does your spending, and property and other assets keep their value in today's money. Once registered, you adjust these assumptions in the overall picture and set value growth yourself.
Why does the calculator show two dates?
The first date covers your cash, meaning current and savings accounts. The second adds your shares and funds, as if you sold them bit by bit. A property or other tangible assets are not included, because they cannot be spent in monthly amounts.
Do I have to enter a retirement date?
No. If you are already retired or your income is not going to change, leave the date empty and enter only your net income today.
A description, not advice. The calculator works only with your own figures and two fixed assumptions: 2 % income growth and 2 % inflation a year. It assumes no returns and no taxes, does not calculate pension entitlements and does not replace pension, financial or lending advice.