Câți bani trebuie să ai la 65 de ani ca să poți trăi cu 1.500 de euro pe lună până la 95

At 65, to sustain a monthly expense of €1,500 until 95, one needs significant savings. With a pension of €700, a gap of €800 monthly must be covered, totaling €9,600 annually. Without investment returns, approximately €288,000 is required for 30 years. However, if savings yield returns, the needed capital decreases. Inflation impacts future purchasing power, making current calculations essential. A benchmark of €250,000 can finance the gap for 30 years at a 1% real return, but actual needs vary based on spending, pension, and investment performance. Medical expenses may also alter budget needs as one ages. The focus should shift from how much to save for retirement to understanding the cost of maintaining one’s lifestyle post-retirement.