Finance & Investment
Retirement Calculator
Retirement: retirement Calculator estimates the corpus needed to fund yearly expenses through retirement, allowing for inflation and a post-retirement return. Worked through below with real figures, and the calculator repeats the working on your own inputs — free, on-device, instant.
Want to estimate the retirement corpus you need? Retirement Calculator does it from your current monthly expense, inflation rate, current age and retirement age and shows the target corpus and monthly saving clearly, with everything calculated in your browser.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results. Scheme figures (EPF, PPF, NPS, FD, RD, pension, retirement) use simplified assumptions about contributions, compounding, and rates; real scheme rules and declared rates vary by provider and year.
About this calculator
Retirement is easiest to get wrong in the setup, not the arithmetic. Retirement Calculator estimates the corpus needed to fund yearly expenses through retirement, allowing for inflation and a post-retirement return. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. The worked example on this page (Saving 15,000/month for 25 years at 10% builds about 20,068,355.22 for retirement (monthly compounding).) shows the full substitution; the calculator above runs the same working on your own numbers, in your browser, with nothing uploaded.
How to use
- Enter your current monthly expense in today's money.
- Type the expected inflation rate, then your current and retirement ages.
- Add the post-retirement return and your life expectancy.
- Tap Calculate to see the corpus needed and your future monthly expense.
Why use the Retirement Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it for retirement readiness checks
Use it for setting a retirement target
Use it when estimating the corpus you'll need
Use it when adjusting for life expectancy
Use it when comparing saving rates
Use it when factoring in inflation
Technical notes
Retirement Calculator estimates the corpus needed to fund yearly expenses through retirement, allowing for inflation and a post-retirement return.
Figures assume the rate and amounts you enter stay fixed and exclude fees, taxes and charges unless a field asks for them.
Results are rounded for display; the underlying calculation keeps full precision.
Worked example
Saving 15,000/month for 25 years at 10% builds about 20,068,355.22 for retirement (monthly compounding).
FAQ
How is the retirement corpus estimated?
Your expense is inflated to retirement age, annualised, then discounted over your retirement years using a real return derived from the post-retirement return and inflation.
Does the Retirement Calculator send my data to a server?
No. The Retirement Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
Why does inflation matter so much here?
Inflation steadily raises living costs, so the monthly expense you need decades from now is far higher than today's; ignoring it badly understates the corpus.
What is the difference between this and the pension tool?
This estimates the corpus you must accumulate before retiring; the pension tool estimates the income an existing corpus can pay out.