Evaluate how much capital you need to stop working

Starting a new life by retiring before the legal retirement age often means a sudden drop in your income – and a wait of years before you can claim your retirement pension. It is crucial to estimate accurately the amount you will need to live in order so you can build an appropriate strategy.

Note the pension reform planned for the second half of 2019 could include new arrangements for the retirement age.

What will be your family situation, and the needs of your children or parents, at the time you change your life? Will you own your main residence or will you have to pay rent? What will your new life project require? What will your everyday lifestyle be like? What will be your tax burden? What about debts? Answering all these questions and considering every scenario will allow you to estimate your needs when you start your new life.

Depending on the age at which you plan to change your life and retire, the lifestyle you need and the level of risk you are willing to take, the savings you need will vary. In fact, the earlier you retire, the more capital you will need to live on because it will have to cover a larger number of years.

It all depends on whether you intend to consume your capital or generate income from it.

The following simulations do not take into account either taxation or inflation.

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