Pension Fund Simulation Calculator
Find out how much you need for retirement and how much to save now — based on your own numbers.
Personal data
Living costs
Planning assumptions
These numbers shape the estimate — tap (i) for plain-language help.
Existing funds
Methodology notes
- Growing annuity method — retirement living costs are assumed to rise with the inflation rate you enter, each year during retirement.
- Inflation here is a planning assumption. Indonesia’s official consumer price trends are published by BPS (CPI / IHK); Bank Indonesia publishes an inflation target range. Both change over time — use them as context, not a fixed calculator rate.
- Fund is assumed depleted at the end of your chosen retirement period.
- Monthly savings use ordinary annuity (end-of-month contributions).
- Illustrative estimate, not a guaranteed investment outcome.
Required pension fund
Rp8.999.995.127
when you retire at age 60 (20 years of retirement)
Years to retirement
25 years
Retirement cost / month (now)
Rp10.500.000
Retirement cost / month (at retirement)
Rp35.556.727
Projected current assets
Rp1.027.271.279
Funding gap
Rp7.972.723.848
Savings / month
Rp8.383.283
Savings / year
Rp100.599.402
AProjection to retirement
Your accumulated funds (gold line) vs pension target (navy dashed).
BWithdrawal during retirement
Pension balance (line) vs annual living costs (bars) during retirement.
Disclaimer
This calculator is an illustrative financial planning tool, not investment advice. Actual results depend on market performance, product costs, taxes, and personal changes. Consult a certified financial planner at Alife Advisory House for a detailed plan.