Calculator 05 // Wealth Stack

Gulf expat retirement calculator — your full wealth stack

Take the surplus from your budget, add age, growth, state pension and the 4% rule, then see whether your retirement date is realistic.

Retirement Readiness
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Projected Liquid Portfolio

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At retirement

Required Portfolio

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For desired income

Shortfall / Surplus

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Drawdown model

// 01. Timeline & Savings
Include Spouse / Partner?
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$

Treated as part of your starting liquid portfolio and grown until retirement.

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Auto-fills from the Budget Tracker monthly surplus when available.

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// 02. Retirement Target

Converted into earning currency for the target line.

Retirement country pension estimate
Monthly Income (Portfolio + Pension)
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// 03. EOS & Property
Where I earn
EOS rule loading

The EOS calculator updates from your selected earning currency.

EOS uses the repatriation calculator rule for your earning currency.

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Years already served builds your EOS gratuity credit; years left in the Gulf (section 01) determines when it is paid out.

Calculated EOS at Exit
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Paid at Gulf exit, then invested until retirement.

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Adds property equity to the liquid pot
// Projected Portfolio vs Required Target

Retirement Gap

Enter your numbers to see what you need, what you are on track for, and the gap to bridge.

Portfolio Breakdown at Retirement

Enter your numbers above to see a detailed breakdown of your projected retirement portfolio.

How the Retirement Calculator Works

This tool compares what your liquid retirement portfolio is projected to become against the portfolio required to fund your chosen retirement income. The projected line includes your current portfolio, future Gulf savings, calculated End-of-Service payout, and optional property proceeds.

The target line inflates your desired retirement income from today's home-currency value, applies the selected withdrawal rate, and offsets any pension or guaranteed income from the age it starts. The table below the chart shows the same calculation year by year, including contributions, EOS paid, projected pot, target pot, and surplus or shortfall.

Frequently Asked Questions

What is End-of-Service (EOS) gratuity and how is it calculated?

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EOS gratuity is a statutory severance payment under GCC labour law. This calculator uses the mapped rule for your earning currency where available, including Qatar's 21 days of basic salary per service year, UAE's 21/30 day tiers, and the equivalent Saudi, Kuwait and Bahrain rules.

Does the calculator account for inflation?

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Yes. Desired retirement income is entered in today's home-currency terms and inflated forward to retirement. Investment returns are still nominal assumptions, so raising inflation increases the required portfolio line.

Why does the projected line jump at Gulf exit?

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The projected portfolio line includes regular savings while you remain in the Gulf, then adds the calculated EOS payout at exit. If property liquidation is switched on, sale proceeds are also added to the liquid portfolio at that point.

Should I include my state pension or other guaranteed income?

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Yes. Enter annual pension or other guaranteed income and the age it starts. The calculator treats that income as an offset against retirement spending, which lowers the required portfolio after that age while still allowing for bridge years before it begins.