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🏖️ Retirement Calculator

Plan your retirement with confidence. Enter your current age, savings, and target retirement details to see how much corpus you will accumulate, how long it will last, and how much you need to save monthly to meet your goals.

Retirement Calculation Method

Corpus = FV(existing savings) + FV(monthly contributions via SIP formula)
Inflation-Adjusted Expense = Monthly Expense × (1 + inflation)^years
Monthly Savings Needed = Target Corpus (25× adjusted expense) via reverse SIP

How to Plan Your Retirement

  1. 1
    Enter Age Details
    Your current age and target retirement age determine the accumulation horizon.
  2. 2
    Enter Savings Details
    Include existing savings and what you currently save each month.
  3. 3
    Set Return & Inflation
    Use realistic figures — 8-10% for equity returns, 3-4% for inflation.
  4. 4
    Enter Retirement Expenses
    Estimate current monthly expenses; the calculator adjusts for inflation.
  5. 5
    Review the Plan
    See your projected corpus, how long it lasts, and how much more you need to save.

Real-World Example

Age 30, retire at 60, current savings $10,000, saving $500/month, 10% return, $3,000/month expenses, 3% inflation.

Years to retire = 30 years
FV of $10K = $10,000 × (1.10)^30 ≈ $174,494
FV of $500/mo SIP ≈ $1,130,244
Total corpus ≈ $1,304,738
Inflation-adj. expense ≈ $3,000 × (1.03)^30 ≈ $7,281/month

Frequently Asked Questions

A common rule is the 25x rule: save 25 times your annual expenses. If you need $60,000/year in retirement ($5,000/month), you need $1.5 million. This supports a 4% annual withdrawal rate, which historically has lasted 30+ years in most market conditions.

The 4% rule, based on the Trinity Study, states that retirees can withdraw 4% of their portfolio in the first year of retirement and adjust for inflation each year thereafter, with a high probability the money will last 30 years. It is a guideline, not a guarantee, and assumes a diversified portfolio.

Inflation erodes purchasing power over time. At 3% annual inflation, $3,000/month today will require about $7,281/month in 30 years to maintain the same lifestyle. Failing to account for inflation is one of the biggest retirement planning mistakes — always factor it in.

Yes, but early retirement requires a larger corpus, a lower withdrawal rate (often 3% or less), and careful planning for healthcare costs before Medicare eligibility (in the US). The FIRE movement (Financial Independence, Retire Early) advocates saving aggressively — 50-70% of income — to retire in your 30s or 40s.

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