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The Retirement Gap.

Mauritius's state pension covers only part of the retirement most people want — and reform is changing who receives it, and how much. The rest, you fund yourself. This shows you how big that gap is — and how movable.

A few numbers you already know. A picture of the retirement you're on track for, versus the one you want — in today's rupees, so the figures mean something. The same lens B3 uses with clients, opened up for anyone.

Your numbers

You, and when you'd stop

Your age now

Whole years is fine.

The age you'd like to retire

The state pension usually starts later than people retire — and the qualifying age is changing under current reform. Retire earlier and the early years are all on you.

What you've set aside, and what you add

Retirement savings so far (Rs)

Pension pot, long-term savings, investments earmarked for later. 0 is a fine answer.

Saved toward retirement each month (Rs)

What you add every month, on average.

The retirement you want

Monthly income you'd want then (Rs, today's money)

In today's rupees — we handle inflation for you. A common rule of thumb is about two-thirds of your current income.

State or guaranteed pension you expect (Rs/month)

Enter the current figure if you know it, or leave it at 0 to be conservative — pension reform is changing who qualifies and how much, so check the current rules. Include any workplace or defined pension too.

I would claim the state pension early, from age 60

The state pension usually starts later than 60, and the qualifying age is changing under current reform (proposals restore a choice between 60 and 70, sometimes reduced if taken early). This tool applies an illustrative early-claim reduction — check the current rules. Tick this only if taking it from 60 is your plan; leave it unticked to assume you wait.

Assumptions — sensible defaults, edit if you like

Growth before retirement (% a year)

Illustrative long-run growth on invested savings — not a promise, and not a specific product.

Growth in retirement (% a year)

Usually a touch lower — the pot is more conservatively invested once you're drawing on it.

Inflation (% a year)

Roughly Mauritius's recent average. Everything is shown in today's rupees using this.

Plan your money to last until age

A prudent horizon. Longer is safer, and costs more.

To run the numbers we need your age, your retirement age, and the monthly income you'd want. Savings can stay rough or empty.

Estimates are fine. The shape of the gap matters more than the decimals.

Where you stand

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The gap at retirement

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the extra pot you'd need on the day you retire

Or, saved from today

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a month, on top of what you save now, to close it

Indicative only. A quick picture, not a plan or personalised advice. Always check official sources or speak to an adviser before you act — what these numbers mean for you is the conversation.

The Retirement Gap.

You, and when you'd stop

What you've set aside, and what you add

The retirement you want

Turn this estimate into a plan built around your real numbers.