Find out how much you could accumulate for retirement based on your monthly savings and expected return.
Retirement Calculator
The Retirement Calculator estimates the nest egg you will need and the monthly savings required to get there, factoring in inflation and your expected investment returns.
Working backwards from your goal
It starts from the annual income you want in retirement, adjusts it for inflation to your retirement year, and estimates the corpus needed to sustain that income. It then calculates how much you must save each month, given your current savings and expected returns, to reach the target by your retirement age.
Why inflation is the key variable
What feels like plenty today buys far less in 30 years - at 6% inflation, prices roughly triple. That is why the calculator inflates your target rather than using today's figures. Revisit it every few years and adjust as your income, savings, and goals change.
Frequently Asked Questions
Why does the calculator adjust for inflation?
Because the cost of living rises over decades. Ignoring inflation would badly underestimate the income and corpus you will actually need.
How much should I save each month?
The tool calculates this from your target corpus, current savings, expected return, and years remaining - the earlier you start, the smaller the monthly figure.
What return rate should I assume after retirement?
Many people assume a more conservative rate in retirement, since capital is usually shifted toward lower-risk assets.
How often should I review the plan?
Revisit it every couple of years or after major life changes, adjusting your contributions and assumptions as needed.
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