• About the Retire-O-Meter

About the Retire-O-Meter

The Retire-O-Meter provides you with a quick estimate of how prepared you are for retirement. Details of the calculations and exclusions are explained below.


Your final savings pot at retirement is calculated by adding your initial savings to the monthly savings contributions you make until your chosen retirement age, multiplied by ongoing compound interest at the rate you select in the tool (between 1-5% per annum). If no selection is made, the default interest rates is 3%

Your retirement pension is calculated by dividing your final savings pot between your years in retirement (between retirement age and aged 90), such that at age 90 the lump sum will be zero. The reducing lump sum continues to benefit from interest during that time.

The retirement pension is based solely on individual savings (pot) and does not include any state pension that you may be eligible to receive in your country at the eligible retirement age for your country.

No consideration is made for inflation, however because the calculation is based on % of your current salary, it is assumed that your salary will also grow with inflation, and therefore the amount you save will also grow proportionally.

Each retirement readiness state is calculated based on the following thresholds of retirement salary as a percentage of working salary:

You're living for today 0-10%
You're not saving enough 10-40%
You're almost on track - 40-50%
You're in good shape - 50-70%
You're playing it safe - >70%


The following information applies to the use of Retire-O-Meter online tool (hereinafter: "Online Tool"). By using the Online Tool and/ or the information provided, you agree to the terms of this disclaimer.

Aegon will not accept any liability for any third party hyperlinks to or from the Online Tool and or any third party products. Aegon excludes all liability for any direct or indirect damages or losses of any nature whatsoever in relation to the use of the Online Tool.
All information generated due the use of the Online Tool is not intended to replace professional (financial) advice. Please make sure that for any type of financial advice you always use an advisor, accountant, tax specialist or any order qualified financial advisor.

All the rights, including any intellectual property rights in relation to the Online Tool, reside at Aegon. Use of any intellectual property right(s) is not permitted without prior written consent of Aegon.

No use of (Personal) information
Aegon does not store, analyse, trace, process, etc. any (personal) information (e.g. gender, age, income, savings) provided by you while using the Online Tool.

This disclaimer is updated on: 23-02-2015

This disclaimer can be changed over time. Users of the Online Tool are advised to regularly check the disclaimer for possible changes. Dutch Law is applicable to this disclaimer.


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