Portuguese Phrase
Estou planejando minha aposentadoria.
Meaning
The sentence means “I am planning my retirement.” It uses the present progressive to stress that the planning is currently in progress. The speaker is likely thinking about finances, lifestyle, and the timeline for leaving the workforce.
When to use
Use this phrase when discussing future financial goals with friends, family, or a financial advisor, or when you want to explain why you are saving more money or changing your work schedule.
✦Grammar Breakdown
Estouplanejandominhaaposentadoria.
Estar (Estou)
Use the verb estar in the first person singular (estou) to form the present progressive, indicating an ongoing action.
Gerúndio (planejando)
Add -ndo to the infinitive (planejar) to create the gerund, which pairs with estar to express “am planning.”
Possessive adjective (minha)
Minha agrees in gender and number with the noun it modifies (aposentadoria, feminine singular).
Noun (aposentadoria)
Aposentadoria means “retirement”; it is a feminine noun, so the article and adjectives must match.
🗨In Conversation
Estou planejando minha aposentadoria.
I am planning my retirement.
Que ótimo! Já tem alguma ideia de onde quer viver?
Great! Do you already have an idea of where you want to live?
✕Common Mistakes
Sou planejando minha aposentadoria.
Use estar + gerund for ongoing actions; ser (sou) is for permanent states.
Planejando minha aposentadoria.
Missing the auxiliary verb estar; the gerund alone is not a complete sentence.
Estou planejando meu aposentadoria.
Aposentadoria is feminine, so the possessive must be minha, not meu.
↔Alternatives
Estou organizando minha aposentadoria.
I am organizing my retirement.
Estou preparando minha aposentadoria.
I am preparing my retirement.
Estou pensando na minha aposentadoria.
I am thinking about my retirement.
Cultural Tip
In Brazil, retirement planning often starts in the early 30s, especially for self‑employed professionals. The public pension system (INSS) has age and contribution requirements, but many people also invest in private previdência plans to ensure a comfortable lifestyle after work. When talking about retirement, it’s common to mention the desired city or region, as lifestyle preferences vary greatly across the country.