Retirement Calculator
Plan your retirement corpus — how much to save, and how long it will last
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1880
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1890
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40120
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Results
Fill in your details and click Calculate.
Frequently Asked Questions
A common rule of thumb is the 25x rule — multiply your expected annual retirement expenses by 25. This assumes a 4% safe withdrawal rate. For example, if you need $3,000/month ($36,000/year), you need a corpus of roughly $900,000. However, actual needs depend on inflation, investment returns, life expectancy, and lifestyle. This calculator accounts for all those factors.
A retirement corpus is the total pool of savings and investments you have accumulated by the time you retire. It is used to fund your living expenses, healthcare, and other costs throughout retirement. The corpus needs to be large enough to last your entire retirement — ideally with investment returns covering withdrawals so the principal doesn't run out too soon.
Inflation erodes purchasing power over time. A 6% inflation rate means your expenses double roughly every 12 years. If you retire at 60 and plan expenses of $3,000/month at today's prices, those same expenses may cost $6,000+/month 20 years later. This calculator uses inflation-adjusted (real) returns to project actual purchasing power accurately.
The 4% rule (Bengen rule) states that you can safely withdraw 4% of your portfolio per year in retirement without running out of money for at least 30 years, based on historical US stock and bond market returns. It's a useful starting point, but should be adjusted for individual circumstances, country-specific returns, and inflation expectations.
Compound interest is exponential — money invested early has more years to grow. For example, $10,000 invested at 8% becomes ~$100,000 after 30 years, but only ~$46,000 after 20 years. Starting 10 years earlier more than doubles the final amount. The monthly savings required also drops dramatically when you have more time to accumulate.
This depends on your asset allocation. Historically, diversified equity funds return 10–12% annually before inflation (7–8% real return in developed markets). Bonds return 4–6%. A balanced portfolio (60% equity / 40% bonds) might target 7–9%. It's prudent to use a conservative estimate (6–8%) for retirement planning to avoid overestimating your corpus.
About This Retirement Calculator
This free Retirement Calculator offers three planning modes: How much corpus do I need? (enter expected expenses and it calculates the target savings), How much to save monthly? (enter your retirement goal and see the required monthly contribution), and How long will my savings last? (enter your corpus and monthly withdrawal to see when it runs out). All modes account for inflation and investment returns.
Quick Reference: Required Corpus (at 8% return, 6% inflation)
| Monthly Need | 20 yr retirement | 30 yr retirement |
|---|---|---|
| $1,000 | ~$120K | ~$150K |
| $2,000 | ~$240K | ~$300K |
| $3,000 | ~$360K | ~$450K |
| $5,000 | ~$600K | ~$750K |
| $10,000 | ~$1.2M | ~$1.5M |
Monthly Savings Required (30 yr to retirement, 8% return)
| Target Corpus | Monthly Savings |
|---|---|
| $100K | ~$67/mo |
| $250K | ~$168/mo |
| $500K | ~$336/mo |
| $1M | ~$671/mo |
| $2M | ~$1,343/mo |
