PO pofinance.xyz Retirement that adds up
About us

An independent retirement reference, reviewed by a working advisor.

pofinance.xyz is a single-purpose site: a two-phase retirement calculator that models both accumulation and drawdown, surrounded by reference material that a certified, fee-only European wealth advisor is willing to put her name on. No commission relationships, no lead capture, no upselling.

Why this site exists

A retirement projection that models only accumulation is half a calculation. Most mainstream retirement calculators show a satisfying nest-egg figure at the target retirement age and stop there — leaving the harder, more important question unanswered: does the balance actually last? pofinance.xyz models both phases. Accumulation uses the standard contributions-with-compounding formula. Drawdown simulates the actual depletion at the target spending level, with a more conservative return assumption to reflect the typical glidepath into retirement.

Editorial principles

  • Three-method verification. Closed-form accumulation, month-by-month simulation, and Excel FV() / NPER() cross-check. Disagreement greater than one currency unit blocks publication.
  • Named accountability. Sophie Beaumont, CGPC, is the responsible reviewer. Her professional registration is verifiable through the AMF (Autorité des Marchés Financiers) public register.
  • No commission relationships. The site does not earn referral fees from any pension provider, fund manager, insurer, or comparison site.
  • No upselling. The calculator is free and contains no link to a paid version.
  • Privacy by architecture. Inputs are not transmitted, logged, or stored.

The team

pofinance.xyz operates as a small editorial project alongside Sophie's wealth advisory practice. Sophie reviews every release of the calculator and every page of reference content before publication. She holds final editorial authority and is the named accountable person for every figure on the site.

A part-time editor, based in Brussels, maintains the cross-border sections (state pension figures, dual-residency tax notes) and copy-edits long-form pages. The editor is named in the public changelog only when their input has produced a substantive change.

Verification methodology

  1. Reference cases. A fixed list of 32 input/output pairs covering edge cases: zero contribution, very late starts, glidepath returns, extreme longevity assumptions. Every release runs against the list.
  2. Closed-form vs. simulation. The accumulation formula and the per-period loop must agree. Disagreement triggers investigation; the loop wins by default.
  3. Excel cross-check. Inputs are fed to FV() for accumulation and NPER() for drawdown. Final precision compared.
  4. Locale rendering. Five supported currencies render correctly through Intl.NumberFormat('en-IE') for thousand-separator and decimal-symbol behaviour.

What this site is not

  • It is not regulated investment advice. The output is informational. For specific recommendations on PER, PEA, life-insurance contracts, or workplace pension arrangements, consult a regulated advisor.
  • It is not Monte Carlo. We run a single deterministic projection at the rate you enter. For probability-distributed projections (10th/50th/90th percentile outcomes), use a Monte Carlo retirement simulator.
  • It is not tax-aware. The figures are pre-tax. French capital-gains treatment, PER deductibility, and assurance-vie taxation can materially affect the realised result.
  • It is not a state-pension calculator. We model only personal savings; state pension benefits should be subtracted from target spending separately.

Get in touch

Calculation disagreements, content corrections, accessibility issues, and partnership enquiries are all handled through the contact page. We commit to acknowledging every well-formed message within 24 business hours.