Retirement Calculator
Set your age, savings and expenses — see the corpus you're on track to build, whether it's enough, and roughly how far it'll carry you into retirement.
The x-axis is your age. The dashed line marks retirement — the balance line rises through your investing years, then reflects withdrawals afterwards.
Your life stage
Savings & growth
Retirement expenses
Lumpsums along the way
One-off amounts you expect to invest at a given age — a bonus, an inheritance, a maturity payout — before you retire.
Why project both directions?
Most calculators only answer "how big will my corpus get?" — useful, but it doesn't tell you if that's actually enough. This one also works backwards from your expenses to a required corpus, and forward from your projected corpus through a simulated retirement, so the surplus or shortfall shown is grounded in the same monthly simulation both ways.
Stress-test your assumptions
Small changes to inflation or the post-retirement return rate can move the "corpus lasts till age" number by years. Try the same plan at 6% and 8% inflation, or 6% and 9% post-retirement returns, to see how sensitive your outcome really is before you treat any single projection as a plan.
Frequently asked questions
How does this calculator work?+
It runs in two stages. First, it grows your current corpus plus a monthly SIP (with an optional annual step-up and any one-off lumpsums) forward to your retirement age — that's your projected corpus. Second, it takes your monthly expense, inflates it to what it'll cost on the day you retire, and simulates withdrawing that (rising with inflation every year) from the projected corpus until your plan-until age, to see whether it lasts.
What's the difference between "required corpus" and "projected corpus"?+
Projected corpus is what your current savings plan actually builds up to by retirement. Required corpus is what you'd need at retirement to fully fund your inflation-adjusted expenses all the way to your plan-until age, given your expected post-retirement return. Comparing the two is what tells you whether you're on track or short.
Why use two different return rates?+
Most people invest more aggressively (higher equity allocation) while building a corpus, then shift to a more conservative mix once they're actively withdrawing from it, since sequence-of-returns risk matters more when you're no longer adding money. Using a separate, usually lower, post-retirement return keeps the withdrawal projection realistic.
Why does the withdrawal amount keep increasing after retirement?+
Because expenses don't freeze on your retirement date — the same inflation rate that raises costs before retirement keeps raising them after it too. Modelling a fixed, never-increasing withdrawal would understate how much you'll actually need in the later years of retirement and overstate how long the corpus lasts.
What if the result shows a shortfall?+
It means that, at today's numbers, the corpus is projected to run out before your plan-until age. The usual levers are increasing the monthly SIP or its annual step-up, retiring later, adding lumpsums when you can, trimming the expense assumption, or accepting a shorter withdrawal horizon — try adjusting each one to see which closes the gap most efficiently for you.
Does this account for taxes, healthcare costs, or pension income?+
No — the figures are pre-tax and assume a single expense figure covers everything, with no separate pension, annuity, rental, or Social Security-equivalent income offsetting withdrawals. If you expect other income in retirement, treat the required corpus here as an upper bound and adjust your own numbers accordingly.