Retirement Calculator
Math & EverydayWhether your corpus will actually fund your retirement, in real terms.
Runs entirely in your browser — nothing is uploaded
Features
- Uses the real return during retirement, not the nominal one.
- Inflates today's expenses to what they will be at retirement.
- Shows the shortfall and what closing it costs each month.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the Retirement Calculator
- 1Enter your age, target retirement age and current savings.
- 2Add what you invest monthly and what you spend today.
- 3Read whether you are on track, and the gap if not.
Frequently asked questions
How much do I need to retire?
Enough to fund your inflated expenses for the years after you stop earning, at a return that only modestly beats inflation. That usually comes to 25–35 times your annual expenses at retirement — much more than most people expect, because both the expense figure and the horizon are larger than they assume.
Why does the calculator ask for two different returns?
Because the portfolio changes. Before retirement you can hold more equity and target higher growth; after it, you shift to safety and lower returns while drawing down. Using one rate for both overstates the corpus badly.
What is a real return and why does it dominate the answer?
Your return minus inflation. Earning 7% while inflation runs 6% is roughly 0.9% in real terms — the corpus barely grows while withdrawals rise every year. This is the single assumption that decides whether a retirement plan works, and it is the one most calculators quietly skip.
What if I am behind?
The tool shows the extra monthly investment needed to close the gap. The other levers are retiring later, which shortens the funded period and lengthens the saving one, or reducing the expenses being planned for. Starting earlier beats all of them.