Retirement Planner
Start from the lifestyle you want later, or from the corpus number already in your head. We will show the retirement target and monthly saving pace needed to get there.
Use your expected monthly retirement spending first if you want the clearest starting point.
Recommended. Inflation significantly impacts retirement corpus needs.
Why do you need a Retirement Corpus Calculator?
Retirement is the longest holiday of your life, but it comes without a paycheck. A retirement calculator helps you estimate how much you need to save today to maintain your current lifestyle tomorrow. Rising healthcare costs and inflation mean a corpus that feels huge today can be much less comforting 20 years from now. Early planning is the only reliable way to create flexibility.
The 4% Rule and FIRE
The Financial Independence, Retire Early (FIRE) movement suggests that once your corpus reaches roughly 25 to 30 times your annual expenses, you may be financially independent. The classic 4% rule is a useful starting point, but many planners prefer a more conservative withdrawal rate when inflation is high or future returns are uncertain.
Planning for Post-Retirement Inflation
Most investors forget that inflation doesn't stop once you retire. Your retirement planner must account for a 6% rise in expenses every year even after age 60. This is why your post-retirement portfolio should still have some exposure to Equity Mutual Funds or Blue-chip Stocks to ensure your money lasts as long as you do.
Is your retirement target really enough?
Round-number targets can feel reassuring, but the right retirement corpus depends on your spending, inflation assumptions, and how many years you want the plan to support. Use the calculator to test your target against future monthly expenses and adjust your monthly investing plan accordingly.
How much corpus do you actually need?
A common starting formula is annual expenses at retirement multiplied by 25, based on a 4% withdrawal rule. In more cautious plans, especially when inflation is persistent, many people use 30 to 33 times annual expenses for a bigger safety margin.
Why inflation makes retirement planning hard
Most people underestimate retirement because they plan with today’s prices. Always project future-value expenses, not current-value expenses, and compare your target against real returns rather than nominal returns alone.
The cost of starting late
Each delay means fewer compounding years and a much larger monthly contribution later. Even a modest monthly plan started early can outperform a dramatic late push, so the most useful retirement strategy is usually to start now and refine as your income grows.