Retirement Calculator
Plan your retirement with confidence. Estimate your future corpus, monthly retirement income, inflation impact, readiness score, and how close you are to your goal — in 10 currencies.
What is a Retirement Calculator?
A Retirement Calculator projects how your savings grow over the years until you retire. It factors in your current savings, monthly contributions, expected investment returns, and inflation to estimate your retirement corpus, monthly income, and how well you are tracking toward your goal.
How to Use the Retirement Calculator
Pick your currency, then enter your current age, planned retirement age, life expectancy, and current savings. Use the sliders to set your monthly contribution, expected return, and inflation. Add salary details for a more precise goal, then press Calculate to see your full retirement dashboard.
Retirement Planning Formula
FV = P × (1+i)^n + PMT × [ ((1+i)^n − 1) / i ]
P = Current savings
PMT = Monthly contribution
i = Monthly return rate (annual ÷ 12 ÷ 100)
n = Months until retirement (years × 12)
Example Calculation
What This Calculator Shows
How Inflation Shrinks Your Savings
At 3% inflation, prices roughly double every 24 years. A corpus of $1.25M in 30 years may only buy what about $515,000 buys today. That is why this calculator always shows the inflation-adjusted value alongside the nominal corpus, so you plan for real spending power rather than a big headline number.
Frequently Asked Questions
A Retirement Calculator estimates how large your retirement savings will grow by the time you stop working. It combines your current savings, monthly contributions, expected returns, and inflation to project your future corpus and sustainable monthly income.
Your current savings and monthly contributions are compounded month by month at your expected annual return until your retirement age. The result is your nominal corpus, which is also shown adjusted for inflation in today's money.
Readiness compares your projected corpus to a target based on your salary or income needs. Excellent means you are on or above target, Good means you are close, and Needs Improvement means you may want to save more or retire later.
Inflation reduces the purchasing power of money over time. A corpus that looks large in future value may buy far less than today, which is why the calculator shows both nominal and inflation-adjusted figures.
The calculator estimates this using a sustainable withdrawal rate (the 4% rule) and a conservative post-retirement return, while increasing withdrawals each year for inflation. It shows roughly how many years your corpus can support your income.
Early retirement planning gives compounding more time to work and builds a larger cushion. The Early vs Normal comparison shows how retiring a few years sooner or later changes your final corpus and monthly income.