How much money do I actually need to retire comfortably in my country?

The honest answer: it depends on what 'comfortably' means to you, not what a spreadsheet says it should mean. I think about this differently than most calculators. Yes, you need numbers—housing, food, healthcare, the basics. But you also need to account for what gives your life meaning. For some people, that's travel. For others, it's supporting community, maintaining a home, or spending time with family. Those aren't luxuries; they're part of your actual retirement life. Start practical: What does your daily life cost right now? Not your working life—your real life. Then project forward: Will healthcare costs change? Will housing? Will your responsibilities shift? Add a buffer for things you can't predict. But here's what matters more: Do you understand your own relationship with money? Some people retire at 40 and feel rich on modest income because they know what they value. Others never feel secure because they're comparing themselves to others rather than their own needs. Your country's economy, inflation rates, and pension systems matter too—no universal number works everywhere. Work with someone who understands your specific context. And be honest: Are you calculating for security, or are you chasing a number that will never feel like enough? The first is planning. The second is anxiety wearing a spreadsheet.