How does this retirement calculator work?

It projects your savings growth until retirement, inflates your current expenses to retirement age, and estimates the corpus required based on the withdrawal rate you choose.

Why does inflation matter in retirement planning?

Inflation increases your future living costs. A retirement plan that ignores inflation can seriously underestimate how much money you will need later.

What is the withdrawal rate?

The withdrawal rate is the percentage of your retirement corpus you plan to spend per year. A common example is 4%, but the right rate depends on your goals and risk tolerance.

Is this a financial recommendation?

No. This tool provides estimates for planning and education. It does not replace personalized financial advice.

All tools

Retirement Calculator

Estimate how much retirement corpus you may need and whether your current savings plan is on track. Includes inflation-adjusted expenses, projected savings growth, and an interactive chart.

Inputs

Estimate the gap between your projected retirement corpus and target.

Current ageRetirement ageCurrent savingsMonthly contributionMonthly expenses todayExpected annual return (%)Inflation rate (%)Withdrawal rate (%)

Often modeled between 3% and 4%.

Years to retirement

Projected corpus

105,376,044

Target corpus

209,166,499

Surplus / shortfall

-103,790,455

At age 60, your current expenses of 80,000 per month may become 697,222 per month if inflation averages 7% per year.

Retirement readiness chart

Compare your projected savings growth with the inflation-adjusted target corpus needed at each year.

Year 32

Hover or drag across the chart to inspect values.

Projected corpus

105,376,044

Required corpus

209,166,499

Projected corpus

Required corpus

Yearly retirement breakdown

Track how your projected corpus compares with the required retirement corpus at each age.

Age	Projected corpus	Required corpus
29	876,349	25,680,000
30	1,296,249	27,477,600
31	1,764,739	29,401,032
32	2,287,443	31,459,104
33	2,870,633	33,661,242
34	3,521,309	36,017,528
35	4,247,280	38,538,755
36	5,057,261	41,236,468
37	5,960,971	44,123,021
38	6,969,257	47,211,633
39	8,094,221	50,516,447
40	9,349,365	54,052,598
41	10,749,752	57,836,280
42	12,312,191	61,884,820
43	14,055,433	66,216,757
44	16,000,401	70,851,930
45	18,170,439	75,811,565
46	20,591,590	81,118,375
47	23,292,915	86,796,661
48	26,306,834	92,872,427
49	29,669,520	99,373,497
50	33,421,332	106,329,642
51	37,607,300	113,772,717
52	42,277,662	121,736,807
53	47,488,474	130,258,383
54	53,302,275	139,376,470
55	59,788,842	149,132,823
56	67,026,027	159,572,121
57	75,100,690	170,742,169
58	84,109,745	182,694,121
59	94,161,316	195,482,710
60	105,376,044	209,166,499

Features

Estimate retirement corpus using inflation-adjusted future expenses
Project current savings and monthly contributions until retirement
Compare target corpus with projected corpus on an interactive chart
See yearly retirement progress in a breakdown table
Runs locally in your browser with instant updates

Frequently asked questions

How does this retirement calculator work?: It projects your savings growth until retirement, inflates your current expenses to retirement age, and estimates the corpus required based on the withdrawal rate you choose.
Why does inflation matter in retirement planning?: Inflation increases your future living costs. A retirement plan that ignores inflation can seriously underestimate how much money you will need later.
What is the withdrawal rate?: The withdrawal rate is the percentage of your retirement corpus you plan to spend per year. A common example is 4%, but the right rate depends on your goals and risk tolerance.
Is this a financial recommendation?: No. This tool provides estimates for planning and education. It does not replace personalized financial advice.

Disclaimer: This calculator is for estimation and educational purposes only. It does not constitute financial, tax, investment, or legal advice.