Pensionberegner – Planlæg din framtid
Calculate how much you need to save for retirement and estimate your retirement income.
Sådan bruges denne lommeregner
- Indtast Current Age
- Indtast Retirement Age
- Indtast Current Savings (kr)
- Indtast Monthly Savings (kr)
- Indtast Expected Return (%)
- Klik på knappen Beregn
- Læs resultatet vist under lommeregneren
How Much Do You Need to Retire?
The most widely cited rule is the 4% rule: you can withdraw 4% of your portfolio per year in retirement without running out of money for 30 years. This means you need 25× your annual expenses saved (1 / 4% = 25).
If you need kr350,000/year in retirement, you need kr8,750,000. If you need kr560,000/year, you need kr14,000,000. Adjust for any pension or Social Security income you will receive — only count the gap you need to fill from savings.
The Impact of Starting Early
The single most powerful retirement lever is time. Starting at 25 vs 35 with the same monthly contribution at 7% return produces dramatically different results by age 65: starting at 25 gives you 40 years of compounding; starting at 35 gives you 30. The 10-year difference roughly doubles the final portfolio value.
Contributing the maximum to tax-advantaged accounts (401k, IRA, Roth IRA, pension) should always be the first priority — the tax savings alone are significant.
Key Retirement Planning Variables
Savings rate: Aim for 15–20% of gross income including employer match. Expected return: 6–7% real return (after inflation) for a balanced portfolio. Retirement age: Each year earlier requires significantly more savings. Withdrawal rate: The 4% rule assumes 30 years of retirement — if you retire at 55, consider 3.5% to be safe. Inflation: Your expenses will roughly double every 24 years at 3% inflation — account for this.
"Plan to replace at least 70–90% of your pre-retirement income to maintain your lifestyle in retirement. Social Security replaces about 40% of the average worker's pre-retirement earnings — personal savings and employer-sponsored plans are essential to closing the gap."
💡 Vidste du?
- The 401(k) plan was created almost by accident — in 1978, Congress added a tax provision allowing deferred compensation, and a benefits consultant named Ted Benna spotted its retirement savings potential in 1980.
- The "4% rule" for safe retirement withdrawal rates was developed by financial advisor William Bengen in 1994, based on US market data from 1926 to 1976.
- Only 19% of US private-sector workers had a traditional pension in 2022, down from 35% in the mid-1990s.
Sidst opdateret: March 2026
Frequently Asked Questions
What is the 4% rule?
The 4% rule (from the 1994 Trinity Study) states that withdrawing 4% of your portfolio in year 1 and adjusting for inflation each subsequent year has historically lasted 30+ years in almost all market scenarios. It is a useful starting point, not a guarantee.
At what age should I start saving for retirement?
As soon as possible. Even kr350/month at age 22 grows to significantly more than kr3,500/month starting at age 40. The best time to start is now; the second best time is tomorrow.
Should I pay off debt before investing for retirement?
If your employer offers a 401k match, always contribute enough to get the full match first — it is a guaranteed 50–100% return. Then pay off high-interest debt (>7% APR). Then maximize retirement contributions. Then pay off low-interest debt.