International Retirement Calculators: Find Your Country's Official Tool
Our retirement calculator is built around U.S. tax law and Social Security rules, so it will not give you an accurate answer if you live outside the United States. Each country runs its own pension system, with its own rules, ages, and formulas.
Below are the official government resources for the UK, Canada, India, Australia, and New Zealand, so you land somewhere genuinely useful.
Why a U.S. retirement calculator doesn't work abroad
Retirement calculators are built around a specific country's tax code, retirement accounts, and government benefit formulas. Ours models U.S. 401(k) and IRA rules, U.S. federal tax brackets, and the Social Security benefit formula.
None of those rules apply outside the United States. A UK reader has no 401(k) or Social Security; they have workplace pensions and the State Pension instead. Using a U.S. tool with non-U.S. numbers gives you a meaningless result.
United Kingdom: State Pension and workplace pensions
The UK's government-run retirement benefit is the State Pension, administered by the Department for Work and Pensions. Your State Pension age depends on your date of birth, and your amount depends on your National Insurance record.
Check your own State Pension age and get a forecast directly on GOV.UK before you make any retirement plans.
Canada: CPP and Old Age Security
Canada's public retirement system has two main parts, both explained on Canada.ca: the Canada Pension Plan (CPP), funded by your own contributions, and Old Age Security (OAS), funded through general tax revenue.
Eligibility, ages, and amounts for both differ from anything in the U.S. system. Use the official Canada.ca public pensions page to check your own numbers.
India: Employees' Provident Fund
India's main retirement savings system for salaried workers is the Employees' Provident Fund, run by the Employees' Provident Fund Organisation (EPFO), a Government of India agency.
EPF works through mandatory employer and employee contributions to a member account, with its own withdrawal and pension rules. Check your balance and rules through EPFO's official member portal, not a third-party site.
Australia and New Zealand: superannuation systems
Australia's retirement system is built on superannuation, a mandatory employer contribution to a private super fund. Services Australia explains how super interacts with the government Age Pension.
New Zealand runs a different system called NZ Superannuation, a universal government payment available from age 65 regardless of income or assets. Check your own eligibility on Work and Income, the New Zealand government agency that administers it.
Frequently asked questions
Does ModernWallet's retirement calculator work outside the United States?
No. Our retirement calculator is built around U.S. tax brackets, 401(k) and IRA rules, and the Social Security benefit formula. It will not give an accurate projection for a non-U.S. pension or tax system.
Where can I find my country's official retirement calculator?
Start with your own government's retirement or pensions agency. This guide links directly to the official UK, Canadian, Indian, Australian, and New Zealand government pages that explain each country's system.
What is the UK equivalent of U.S. Social Security?
The UK's government-run retirement benefit is the State Pension, administered by the Department for Work and Pensions. Your amount depends on your National Insurance record, and your State Pension age depends on your date of birth.
What is superannuation?
Superannuation is Australia's mandatory employer-funded retirement savings system, similar in spirit to a 401(k) but required by law. New Zealand uses a different, separate system called NZ Superannuation, a universal government pension paid from age 65.
Is India's EPF the same as a U.S. 401(k)?
They are similar in concept but run under very different rules. The Employees' Provident Fund is a mandatory employer-and-employee-funded retirement account administered by India's EPFO, a government agency, with its own contribution and withdrawal rules distinct from any U.S. plan.
Sources
We prioritize primary sources for rules, formulas, rates, limits, and definitions. See our calculator methodology and editorial policy.