Top of main content

How much do I need to retire?

Thinking of retiring soon? Many financial experts recommend a retirement income that's 60-80% of your current income. How much you need to save depends on the kind of retirement you would like.

Retirement need estimation

Often, retirees with more free time find that they spend more on travelling, home improvements, hobbies or going out to concerts or the theatre.

How much money you need to retire also depends on if you're expecting help from your family and if you have any other income sources.

Calculate how much you need for your retirement

Once you know how you'd like to spend your retirement, you can check whether your estimated income or funds will cover your expenses. You can also refer to our Retirement Tool to see the difference making a few changes now could make.

Not sure yet about your retirement goals?

Related content

5 reasons to start saving for retirement early

 
This link will open in a new window

Retirement checklist

 
This link will open in a new window

How to invest in retirement

 
This link will open in a new window

How to manage risk

 
This link will open in a new window

More products and information

Investment

 
This link will open in a new window

Global experts' advice to help you capture global investment opportunities and mitigate investment risks to meet your diversified investment and wealth management needs. Our investment products include:
Structured products, Dual Currency Investment and Enhanced Yield Investment, Overseas Investment Plan – Fund (launched by HSBC China), Overseas Investment Plan – Bond (launched by HSBC China), Overseas Investment Plan – Structured Notes (launched by HSBC China), and Local Unit Trust and Hong Kong Mutual Recognition of Funds.

Insurance products

 
This link will open in a new window

We take into account your protection needs at various life stages to help you find out suitable insurance plans, leveraging on our ability to offer a one-stop platform for your insurance needs.

You could check our insurance partner policies including Health insurance, and Life insurance, and our Online service.

HSBC Insights

 
This link will open in a new window

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

Get started

Create your financial plan

 
This link will open in a new window

Start aiming for your goals today by putting together a plan in a few simple steps.

Get personalised advice

  Make an appointment This link will open in a new window

By phone

For general inquiry (RBWM only)

400-820-3090

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

Frequently asked questions

What are the basic rules to making investments? 

When should I start financial planning for my future? How should I approach financial planning? 

Where can I get more information about investment products? 

Disclaimer 

Although the above information is carefully written, the Bank does not warrant, state or guarantee the accuracy or completeness of the above information. The above information is not and should not be regarded as an offer or purchase invitation for any financial product, nor should it be viewed as an investment proposal.