Retirement Calculator
Estimate your retirement corpus from current savings and contributions, the corpus needed to fund inflation-adjusted spending, and any shortfall or surplus — with conservative, base and optimistic scenarios and fully editable assumptions.
Written and reviewed by the CalcBundle editorial team. Transparent formulas · results are estimates, not advice.
Estimated retirement corpus
Enter ages so that current age < retirement age < life expectancy.
How much retirement savings may be needed
A retirement plan has two sides: how much you will accumulate, and how much you will need. This calculator estimates both and shows the gap between them, so you can adjust contributions, timing or spending.
How it works
- Accumulation: current savings plus monthly contributions (with optional annual increases) compounded at your assumed pre-retirement return.
- Requirement: the present value at retirement of your inflation-adjusted spending, net of other income, over your retirement years, at your assumed post-retirement return.
- Gap: estimated corpus minus required corpus, plus the level monthly contribution that would close it.
Retirement income and inflation
Spending is entered in today's money and grown by your inflation assumption, so the target reflects future prices. Model the inflation piece on its own with the inflation calculator, and see contribution growth in the SIP calculator and compound interest calculator.
Why the assumptions are editable
There is no single correct return or withdrawal rate, so every assumption here is a visible input rather than a hidden constant. Once you have a plan, check your overall position with the net worth calculator.
Frequently asked questions
How much do I need to retire?
It depends on your spending, how long retirement lasts, inflation and the return your savings earn. This calculator estimates the corpus needed to fund your desired inflation-adjusted spending, net of other income, from retirement to life expectancy.
What assumptions does it use?
Every key assumption is a visible, editable input: your pre-retirement return, your return in retirement, and expected inflation. Spending is entered in today's money and grown by inflation to your retirement date.
How does inflation affect retirement?
Inflation raises the cost of your lifestyle every year, both before and during retirement. The calculator grows your desired spending by inflation so the required corpus reflects future prices, not today's.
Why are the results only estimates?
Real returns, inflation, contributions, spending and how long you live are all uncertain. The conservative, base and optimistic scenarios show a range, but no projection is a guarantee.
Related calculators
Compound Interest
Project growth from an initial amount, rate, compounding and regular contributions.
SIP
Estimate the future value of regular monthly investments, with step-up.
Inflation
See how inflation changes future prices and purchasing power.
Net Worth
Add up assets and liabilities to find your net worth and ratios.
Disclaimer. This calculator provides estimates for informational purposes only. Results are based on the information you enter and the assumptions used by the calculator. Actual financial, tax, business valuation, lending, marketplace or investment outcomes may differ. Consider consulting a qualified professional for decisions involving significant amounts of money. Retirement projections are estimates and depend on investment returns, inflation, contributions, spending and longevity assumptions. They are not guaranteed and are not financial advice.