Financial Tools
Retirement Savings Calculator
Set your retirement target and see if your savings plan is on track — plus how much extra you may need each month.
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✅ On Track!
0.0% surplus
Retirement Planning Essentials
The 4% Rule
A common guideline: save 25× your annual expenses. Withdrawing 4% per year should theoretically sustain a 30-year retirement without depleting your principal.
Start as Early as Possible
Compounding needs time to work its magic. Even if you can only save a few thousand a month, starting 10 years earlier can more than double your final balance.
Don’t Forget Inflation
Hong Kong’s historical inflation averages 2–3%. When setting your retirement target, remember: HK$4M today could have half the purchasing power in 30 years.
Review Annually
Revisit your retirement plan each year to adjust savings and portfolio allocations. Life changes — marriage, kids, career moves — all affect your retirement outlook.