Retirement Calculator — Find Your Target Corpus & Monthly Savings

By sadiqbd · June 6, 2026

Most retirement plans are built on a number someone guessed

Ask people how much they need to retire comfortably and most will say something like "a crore" or "enough to not worry." Neither of those is a plan. A crore in 30 years is not the same as a crore today — inflation will have eaten most of its purchasing power. And "enough to not worry" is, by definition, uncalculable.

Retirement planning isn't complicated in principle, but it does require confronting specific numbers: how long until you retire, how much you spend, how long you expect retirement to last, and what growth rate you can reasonably expect from your savings. A retirement calculator brings all of these together and tells you what you actually need — not a rough guess, but a number you can build a savings plan around.

The Core Problem Retirement Planning Solves

You need to accumulate enough wealth before retirement that, when invested or drawn down conservatively, it covers your expenses for the rest of your life.

Two variables make this harder than it sounds:

Inflation means your expenses in retirement will be much higher than today's. If you spend ৳60,000/month now and inflation averages 7% for 25 years until retirement, you'll need ৳3,26,000/month in retirement to maintain the same lifestyle.

Longevity means your retirement corpus needs to last potentially 20–30 years. Running out of money at 80 is not a theoretical concern — it's a real risk in long retirements, especially with rising healthcare costs.

The retirement calculator accounts for both of these.

How a Retirement Calculator Works

A retirement calculator typically takes several inputs and produces two key outputs: how large a corpus you need at retirement, and how much you should be saving each month to get there.

Key inputs:

Current age — how many years you have to save
Retirement age — when you plan to stop working
Current monthly expenses — your baseline lifestyle cost today
Expected inflation rate — how much prices will rise annually until (and during) retirement
Expected return on investments — what your savings/investments will grow at before retirement
Post-retirement return — what the corpus will earn during retirement (usually more conservative)
Life expectancy — how long you expect to need the money

What it calculates:

Your inflation-adjusted monthly expenses at retirement
The total corpus required to fund those expenses for your retirement duration
The monthly savings/investment required to build that corpus by retirement

How to Use the Retirement Calculator on sadiqbd.com

Enter your current age and target retirement age — this determines your savings runway.
Enter your current monthly expenses — use your actual household spend, not a wishful number.
Set the inflation rate — 7% is a reasonable default for Bangladesh. For conservative planning, use 8%.
Set pre-retirement investment return — 10–12% is reasonable for equity-heavy SIPs over a long horizon; 7–8% for more conservative mixed portfolios.
Set post-retirement return — use a more conservative 6–7%, since retirees typically shift to safer instruments.
Enter your life expectancy — 80–85 is a practical assumption for planning purposes. Overestimate rather than underestimate.
Read the result — the calculator shows the required corpus and the monthly savings needed to reach it.

Real-World Examples

Early career professional starting at 28

Tanvir is 28, spends ৳45,000/month, plans to retire at 60, and wants to plan through age 82. He assumes 7% inflation, 11% pre-retirement return, 6.5% post-retirement return.

Inflation-adjusted monthly expense at 60: 45,000 × (1.07)^32 ≈ ৳3,88,000/month
Retirement duration: 22 years
Required corpus at 60: approximately ৳4.8 crore
Required monthly savings now: approximately ৳16,500/month

Starting at 28, ৳16,500/month gets him to ৳4.8 crore by retirement. If he waits until 38 to start, the required monthly savings nearly triples — the extra 10 years of compounding is irreplaceable.

Mid-career course correction at 42

Rashida is 42 and hasn't started serious retirement saving yet. She spends ৳70,000/month, plans to retire at 62, and wants income through 85. Same rate assumptions.

Inflation-adjusted monthly expense at 62: 70,000 × (1.07)^20 ≈ ৳2,71,000/month
Required corpus at 62: approximately ৳3.6 crore
Required monthly savings: approximately ৳68,000/month

At ৳68,000/month required, that may be more than she can save. The calculator shows her the gap — and she can now make informed decisions: retire later (63 or 65), reduce planned expenses, or explore higher-return instruments to close the gap.

Planning around an existing corpus

Jamil is 50 with ৳80,00,000 already saved. He plans to retire at 58 and expects his corpus to grow at 9% for the next 8 years.

Existing corpus at 58: 80,00,000 × (1.09)^8 ≈ ৳1,59,37,000

His calculator shows he needs ৳2.2 crore at retirement. The gap is ৳60,63,000 — which he now knows to close through additional monthly savings of approximately ৳35,000 over the next 8 years.

The Numbers That Catch People Off Guard

The corpus requirement is usually larger than people expect. Saying "I need ৳1 crore to retire" sounds like a lot until you calculate that it covers roughly 3–4 years of inflation-adjusted expenses in retirement. Most people need 3–6 crore or more depending on their lifestyle and retirement length.

Healthcare costs accelerate in retirement. General inflation at 7% understates healthcare inflation, which can run 12–15% in South Asian markets. Budgeting a separate healthcare reserve on top of the main corpus is prudent.

The post-retirement return matters more than people think. If your corpus earns 7% post-retirement and your expenses grow at 6.5%, the gap is tight. If inflation spikes or returns disappoint, you could outlive your money. Running the calculator at conservative return assumptions (5–6% post-retirement) gives you a buffer.

Lump sum expenses in retirement are easy to forget. Home repairs, travel, helping children — these don't show up in monthly expense estimates but can be significant. Adding 20–30% to your monthly expense baseline accounts for this.

Practical Tips for Retirement Planning

Start with the target, not the contribution. The retirement calculator tells you how much you need to save. Then check whether that's feasible with your current income. If not, adjust retirement age, lifestyle assumptions, or investment strategy — but know the target first.

Run it at 25, 35, 45, and 55. Your retirement plan should be revisited every decade. Salaries change, expenses change, market returns vary, and life circumstances evolve. A plan made at 30 needs updating at 40.

Separate the corpus-building phase from the drawdown phase. During working years, focus on accumulating. In retirement, focus on sustainable withdrawal. The calculator models both — your pre-retirement savings build the corpus, and your post-retirement return determines how long it lasts.

Use a conservative inflation rate. It's better to oversave slightly than to discover at 70 that your corpus runs out at 78. Build in margin by using a slightly higher inflation assumption than historical average.

Consider government schemes and employer contributions. If you have provident fund contributions, gratuity, or pension entitlements, factor those into the existing corpus. The remaining gap is what your personal savings need to close.

Frequently Asked Questions

How much do I need to retire in Bangladesh? It depends on your lifestyle, location, retirement age, and how long you expect to live. As a rough benchmark: if you spend ৳60,000/month today and retire in 25 years, you'll likely need a corpus of ৳3–5 crore, depending on inflation and return assumptions. The retirement calculator gives you a number specific to your situation.

What's a safe withdrawal rate in retirement? The commonly cited guideline is 4% annually — withdraw 4% of the corpus in year one and adjust for inflation each subsequent year. This is based on historical market return data and gives a reasonable probability of not running out over a 30-year retirement. More conservative planners use 3–3.5%.

Should I include my home in retirement planning? Your primary residence generates no income unless you rent it out or sell it. It shouldn't be counted in your retirement corpus unless you plan to downsize or liquidate it. A second property that generates rental income can legitimately be included.

What if my retirement calculation seems impossible? Retire later, reduce planned expenses, or accept a higher-risk/higher-return investment mix. The calculator is a planning tool — it shows you the math clearly so you can make informed trade-offs, not a fixed requirement you either hit or miss.

Is the retirement calculator free? Yes — completely free, no sign-up required.

Retirement is the longest financial goal most people have, and the one with the least room for error. Unlike a vacation or a car purchase, there's no second chance to fund it after the fact. The retirement calculator doesn't make the challenge easier — but it makes it clear, and clear is where planning starts.

Try the Retirement Calculator free at sadiqbd.com — find your target corpus and the monthly savings to get there.