Fiducia Invest

Retirement Income & Legacy Calculator

Answer a few simple questions to estimate the retirement capital you may need and the indicative monthly investment required to work towards it.

1. How old are you? 2. When would you like to retire?

3. What is your current annual income?

4. What kind of retirement lifestyle would you like?

Expressed as a proportion of your current income, in today's purchasing power.

Essential — about 60% Comfortable — about 70% Enhanced — about 85%

5. Expected rental income in retirement Monthly amount in today's money. 6. Other investment / pension income Monthly amount in today's money.

7. Would you like to leave a financial legacy?

None €50k €100k €200k

Your estimated retirement capital target

€0

Indicative monthly investment required

€0/month

Years to retirement

0 years

This is a headline estimate. Enter your details below to receive the full breakdown by email.

Receive your full retirement analysis

We will email you the detailed breakdown, including the indicative State pension estimate, retirement income target, income gap, capital requirement, legacy provision and assumptions.

How does the calculator work?

The retirement lifestyle target is based on your current annual income and the lifestyle level selected.

The calculation assumes 2% annual inflation, 5% annual investment growth before retirement and a 4% planning drawdown assumption in retirement.

The Malta State pension figure is an indicative planning estimate only. It uses two-thirds of current income capped at a 2026 Maximum Pensionable Income assumption of €29,083.36 and assumes a full contribution history.

Expected rental income and other investment or pension income reduce the amount that needs to be privately funded.

Important: This calculator is an indicative planning tool only. It is not an official Malta State pension calculation, quotation, guarantee, tax calculation or personalised investment recommendation. Actual pension entitlement, returns, charges, taxation, inflation and legislation may differ. A formal fact-find and official product illustration should be completed before any recommendation.