Retirement planner
See whether you're on track for the retirement you want.Retirement PlannerCurrent savings, retirement needs, and planning assumptions — together.
14-day free trial. No card required. No bank login.
See retirement readiness in one view
Navira shows how funded the plan is, the remaining gap, and a required monthly contribution — from the information you enter.
Start with the retirement you want
A useful plan begins with a picture of retirement, not a generic savings target. Navira asks the questions that change the estimate:
When do you want to retire? What might you need each month? How long should the plan last? What retirement savings, pensions, or other resources will you already have? Optional details such as where you plan to live and expected healthcare coverage can also shape the spending need.
Those answers are planning inputs. They are not a recommendation of when to retire or how to invest.
See what retirement could require
The planner turns those inputs into an estimated retirement target. Retirement age, monthly spending, inflation, the age you plan until, existing assets, and expected investment growth all feed the projection.
The result is a scenario based on the assumptions you entered — not a guaranteed amount you will need. If an assumption changes, the target can change with it.
See whether you're on track
Compare the retirement you want with the resources you have already included.
Retirement readiness
Navira shows how much of the plan is funded, using projected resources from current retirement accounts, contributions, expected growth, and any retirement income or future payouts you have added.
Remaining gap
When projected resources sit below the retirement target, the planner shows the remaining gap. If the information you entered already covers the plan, no extra monthly savings are shown as needed.
Readiness here is a planning snapshot: target versus projected resources under your assumptions. It is not a forecast of market returns, and it is not advice to buy, sell, or rebalance anything.
Understand what you may need to save
If there is a gap, Navira estimates a required monthly contribution — the extra amount that, under your current assumptions, could fund the plan by the retirement age you chose.
That figure is a planning estimate, not a recommended investment product and not financial advice. You can follow it, save a different amount, or change the plan. Actual outcomes still depend on markets, contributions, and spending.
Test different retirement scenarios
Retirement isn't one fixed number. See how different assumptions change the picture.
You can retire earlier or later, try a different spending level, change monthly contributions, adjust inflation or expected investment growth, and include or leave out future payouts and retirement income. The projection updates so you can compare those scenarios against the same target.
Bring retirement into your complete financial picture
A retirement plan is easier to trust when it is not sitting in a separate spreadsheet from the rest of your finances. Retirement accounts you add also appear in your net worth tracker. Holdings you include can be reviewed in an investment portfolio tracker. Other goals and monthly savings capacity still compete for the same resources.
Navira keeps that context in one place, so a funded retirement projection is not mistaken for spare cash, and a strong portfolio month is not mistaken for a complete plan.
Planning without connecting your bank
No bank connection required. You add what belongs in the plan.
No bank connection required
Navira does not connect to your bank, pension provider, or brokerage login. There is no credential sharing and no background account sync.
You control what is included
Add retirement accounts and balances yourself, or use supported statement, spreadsheet, and screenshot imports. General investments and your home are counted only if you include them in the plan.
Update on your schedule
Refresh balances and assumptions when you have figures you trust. The projection is based on the information you have entered — not a live feed from a bank.
Guide
Retirement Planning: Spreadsheet vs Software
When a spreadsheet is enough — and when retirement needs to sit next to net worth, cash flow, and other goals.
Read the retirement guideCommon questions
- What is a retirement planner?
- A retirement planner is a tool for estimating whether your current savings, planned contributions, and other resources could support the retirement you have in mind. It turns your ages, spending needs, and planning assumptions into a projection you can review — not a promise of a particular outcome.
- How much money do I need to retire?
- There is no universal number. The estimate depends on when you plan to retire, how much you might spend, inflation, how long you plan for, what you already have, expected investment returns, and any retirement income or future payouts you include. Navira projects a retirement target from the assumptions you enter.
- How can I tell if I'm on track for retirement?
- Navira compares your retirement target with projected resources from the information you have added, then shows retirement readiness as a funded percentage, a remaining gap when there is one, and a required monthly contribution when extra savings would be needed to fund the plan under those assumptions.
- Can I change my retirement assumptions in Navira?
- Yes. You can adjust retirement age, spending, contributions, inflation, expected investment growth, and future payouts or retirement income. The projection updates so you can see how different planning assumptions change the picture.
- Does Navira connect to my bank or investment accounts?
- No. Navira does not connect to your bank or brokerage login. You add retirement accounts and balances yourself — by entering them, or by using supported imports — and you control what is included in the plan.
- Are retirement projections guaranteed?
- No. Projections are estimates based on the information and assumptions you enter. Actual returns, inflation, spending, and contributions can differ. Use the planner to compare scenarios, not as a precise forecast or as financial advice.
Start planning your retirement
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