Free retirement calculator to project your corpus, sustainable monthly income, and savings timeline. Covers the 4% rule and inflation-adjusted withdrawals.
Retirement
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Retirement Calculator, Retirement, Free retirement calculator to project your corpus, sustainable monthly income, and savings timeline. Covers the 4% rule and inflation-adjusted withdrawals., retirement planning, retirement corpus, when can I retire, retirement income, calc, compute
Retirement Calculator
Free retirement calculator to project your corpus, sustainable monthly income, and savings timeline. Covers the 4% rule and inflation-adjusted withdrawals.
retirement planning, retirement corpus, when can I retire, retirement income
Retirement global
Retirement Calculator, Retirement, Free retirement calculator to project your corpus, sustainable monthly income, and savings timeline. Covers the 4% rule and inflation-adjusted withdrawals., retirement planning, retirement corpus, when can I retire, retirement income, calc, compute
Retirement Calculator
Free retirement calculator to project your corpus, sustainable monthly income, and savings timeline. Covers the 4% rule and inflation-adjusted withdrawals.
years
years
50K
$
1.0K
$
%
5.0K
$
Retirement Corpus at Age 65
$2,376,362
2.4 Millions
On Track (158%)
Lasts 40+ years
Retirement Summary
Income projection, readiness score, and key metrics
Retirement Readiness
158%
Surplus: 876K
Monthly Income
7.9K
4% rule
Money Lasts
40+ years
until age 105
Investment Growth
1.9 Million
earned returns
Inflation-Adjusted
2.8K
in today's value
Corpus Breakdown
How your retirement corpus is built
Initial Savings
50K
Contributions
420K
Investment Growth
1.9 Million
Year-by-Year Projection
Detailed breakdown of savings growth and retirement withdrawals
Age
Balance
Contributions
Growth
Withdrawal
Phase
30
$50,000
$50,000
$0
—
Saving
31
$66,007
$62,000
$4,007
—
Saving
32
$83,171
$74,000
$9,171
—
Saving
33
$101,576
$86,000
$15,576
—
Saving
34
$121,312
$98,000
$23,312
—
Saving
35
$142,474
$110,000
$32,474
—
Saving
36
$165,166
$122,000
$43,166
—
Saving
37
$189,499
$134,000
$55,499
—
Saving
38
$215,590
$146,000
$69,590
—
Saving
39
$243,568
$158,000
$85,568
—
Saving
How the Retirement Calculator Works
Two-phase projection: accumulation during working years, drawdown during retirement
This Retirement Calculator uses a two-phase model to project your financial future: an accumulation phase (saving years) and a decumulation phase (retirement years).
Contributions are compounded monthly and can increase each year by a percentage you specify.
Decumulation Phase:
Once you retire, the calculator simulates monthly withdrawals from your corpus. Your remaining balance earns returns at the post-retirement rate, while withdrawals increase annually with inflation.
The 4% Rule:
A widely referenced guideline suggesting you can withdraw 4% of your retirement corpus annually (adjusted for inflation) with a high probability of not running out of money over a 30-year retirement.
Key Assumptions
Important factors that affect your retirement projection
Constant Rates
Returns, inflation, and contribution growth are assumed constant over time. In reality, markets fluctuate — use conservative estimates for more reliable projections.
Monthly Compounding
Returns are compounded monthly during both accumulation and decumulation phases for more accurate projections.
Inflation-Adjusted Withdrawals
Retirement withdrawals increase annually at the inflation rate to maintain purchasing power throughout retirement.
No Taxes Modeled
This is a pre-tax projection. Actual retirement income may be lower after taxes depending on your country and account types.
Additional Income Sources
Pension, social security, or other income is treated as a fixed monthly amount that reduces the withdrawal needed from savings.
Tips and Common Mistakes
Key things to know about retirement planning
Start early
Even small monthly contributions compound significantly over decades. Starting 10 years earlier can double your corpus at retirement.
Increase contributions annually
Direct annual raises to retirement savings. Even 3–5% annual increases make a dramatic difference over your career.
Diversify your income
Pensions, social security, rental income, and part-time work can significantly reduce the amount you need to withdraw from savings.
Use conservative estimates
Plan for lower returns (5–7% for equities, 3–4% post-retirement) and higher inflation to build a margin of safety.
Underestimating longevity
Many people plan until age 80 but live into their 90s. Plan for at least age 85–90 to avoid outliving your savings.
Ignoring inflation
Not adjusting for inflation is the most common mistake. At 3% inflation, your purchasing power halves in ~24 years.
Overestimating returns
Using 12–15% return expectations based on past bull markets leads to under-saving. Use realistic long-term averages.
Not accounting for healthcare
Healthcare costs typically increase with age. Budget an additional 15–25% on top of regular living expenses for medical care.
Frequently Asked Questions
Common questions about retirement planning, savings, and withdrawal strategies
A common rule of thumb is to save 25 times your desired annual retirement expenses (based on the 4% rule). For example, if you need $50,000 per year in retirement, you would need approximately $1,250,000. However, the exact amount depends on your expected retirement age, life expectancy, investment returns, inflation, and whether you have other income sources like pensions or social security.
The 4% rule is a retirement withdrawal guideline developed from the Trinity Study. It suggests that if you withdraw 4% of your retirement portfolio in the first year of retirement and adjust that amount for inflation each subsequent year, your money has a high probability of lasting at least 30 years. For example, with a $1,000,000 portfolio, you would withdraw $40,000 in year one, then adjust upward for inflation each year.
Inflation erodes purchasing power over time. At 3% annual inflation, something costing $1,000 today will cost approximately $1,806 in 20 years and $2,427 in 30 years. This means you need significantly more money in retirement than current costs suggest. Always plan with inflation-adjusted figures, and ensure your withdrawal strategy accounts for rising costs.
For long-term planning, use conservative estimates. Historically, a diversified stock portfolio has returned 7–10% annually before inflation in most developed markets. A balanced portfolio (60% stocks, 40% bonds) has typically returned 6–8%. For post-retirement investments, which tend to be more conservative, expect 3–5%. Always use returns after fees.
The sooner, the better — compound interest is most powerful over long periods. Starting at age 25 versus 35 can mean having roughly double the retirement corpus with the same monthly contribution. Even small contributions in your 20s outperform larger contributions started in your 40s, thanks to decades of compound growth.
Use the "Additional Retirement Income" field to enter your expected monthly income from pensions, social security, government schemes (like CPF, EPF, NPS), or any other guaranteed income sources. This reduces the amount you need to withdraw from your savings each month, significantly extending how long your money lasts.
A score below 100% means your projected retirement corpus falls short of what you need for your desired income. To improve it, you can: (1) Increase your monthly contributions, (2) Delay retirement by a few years, (3) Reduce your desired retirement income, (4) Seek higher returns through more aggressive (but riskier) investments, or (5) Plan for additional income sources in retirement.
Yes. This calculator is currency-agnostic and works globally. Select your currency to see region-appropriate defaults for savings rates, expected returns, and inflation. However, it does not model country-specific tax rules, government pension schemes, or mandatory retirement programs. Use the "Additional Retirement Income" field for any country-specific benefits you expect to receive.
Review your retirement plan at least once a year, or whenever there is a significant change in your life — such as a salary increase, job change, marriage, home purchase, or major market event. Regular recalculation helps you stay on track and make adjustments before small shortfalls become large ones.
Pre-retirement returns are typically higher because you can afford to invest more aggressively (more stocks, longer time horizon to recover from downturns). Post-retirement returns are lower because you shift to more conservative investments (more bonds, less volatility) to protect your corpus from sequence-of-returns risk — the danger that a market downturn early in retirement could permanently deplete your savings.
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