How much do I need to retire?

A common rule is to target a corpus that can replace 70–80% of your pre-retirement income, but the exact figure depends on your expenses, lifestyle, and life expectancy.

How does this calculator project my corpus?

It grows your current savings and contributions to retirement age using compound growth: FV = P × (1 + r)^n, plus the future value of ongoing contributions.

Why does starting early matter so much?

Compounding rewards time. Starting a decade earlier can more than double your final corpus for the same monthly savings.

Should I account for inflation?

Yes. Inflation reduces future purchasing power, so a large nominal corpus may be worth less than it appears. Use real (inflation-adjusted) return estimates.

What growth rate should I assume?

Use a conservative long-term estimate based on your asset mix. Equity-heavy portfolios may assume higher returns than debt-heavy ones.

It suggests you can withdraw about 4% of your retirement corpus in the first year, then adjust for inflation, with a reasonable chance the money lasts 30 years.

Retirement Calculator

Estimate retirement corpus based on monthly savings.

Input & results

Input values

Results

Enter values to see instant results.

Calculation History

Your calculations will appear here.

Recent calculations are saved automatically as you adjust inputs.

Financial results are estimates for informational purposes only and are not financial, tax, or investment advice. Verify figures with a qualified professional before making decisions. See our full disclaimer.

What is Retirement?

A Retirement Calculator estimates the corpus you need to retire comfortably and projects how your current savings and contributions will grow by your retirement age. It connects today's saving habits to your future financial security.

Retirement planning balances how much you save now against how much you will need later, accounting for growth through compounding and the eroding effect of inflation. This calculator projects the future value of your existing savings and ongoing contributions, helping you see whether you are on track and how changes to your savings rate or timeline affect the outcome.

Why is it used?

The earlier you understand your retirement gap, the easier it is to close. Modeling your corpus helps you set a realistic monthly savings target, account for inflation, and avoid the shortfall many people discover too late.

Who should use it?

Working professionals at any career stage who want to plan their retirement savings, and anyone reviewing whether their current contributions will be enough.

How it works

Enter Monthly Savings, Expected Return (%), Years to Retirement, Current Savings in the input fields.
The calculator validates your entries and applies the correct retirement formula.
Results update in real time as you change any value — no submit button needed.
Review the formula, variable definitions, and worked example below to see how the answer is derived.

Formula

F V = P \times (1 + r)^{n}

Variable definitions

Variable	Meaning
FV	Future value of savings at retirement
P	Present savings amount
r	Expected annual growth rate as a decimal
n	Years until retirement

How the formula works

Determine years to retirement: n = retirement age − current age.
Project current savings forward with FV = P × (1 + r)^n.
Add the future value of ongoing contributions over the same period.
Compare the projected corpus to your estimated retirement need.

Example calculation

₹10,00,000 saved today growing at 9% for 25 years to retirement.

Input	Value
Current savings	₹10,00,000
Growth rate	9%
Years to retirement	25

r = 0.09, n = 25
FV = 1000000 × (1.09)^25
(1.09)^25 ≈ 8.623
FV ≈ ₹86,23,081

Result

Existing savings alone grow to ≈ ₹86.2 lakh before adding monthly contributions.

More examples

Same savings with only 15 years to retirement.

Input	Value
Current savings	₹10,00,000
Growth rate	9%
Years	15

(1.09)^15 ≈ 3.642
FV ≈ ₹36,42,482

Result

≈ ₹36.4 lakh — starting earlier dramatically increases the corpus.

Methodology

Gather Monthly Savings, Expected Return (%), Years to Retirement, Current Savings from your documents or estimates.
Enter each value in the matching field; units must match the labels.
The calculator applies the Retirement formula and updates results in real time.
Compare scenarios by changing one input at a time.

Benefits

See whether your savings are on track for retirement.
Set a realistic monthly savings target.
Understand the impact of starting early.
Factor growth and time into long-term planning.

Use cases

Early-career professionals setting a savings habit.
Mid-career reviews to check progress.
Estimating the corpus needed for a target income.
Comparing scenarios with different savings rates.

Tips & important notes

Account for inflation — a future corpus buys less than it does today.
Increase contributions as your income grows.
Use conservative growth assumptions for safety.
Revisit the plan every few years and after major life changes.

Common mistakes

Ignoring inflation when judging if the corpus is enough.
Assuming unrealistically high growth rates.
Delaying savings, which sacrifices years of compounding.

Related concepts

Compounding and time value of money
Inflation and real vs nominal returns
The 4% safe-withdrawal rule

Good to know

Projections assume constant growth and do not guarantee actual returns. Inflation, taxes, and market volatility affect outcomes. Treat results as planning estimates, not financial advice.