Retirement Calculator — Estimate Future Retirement Savings & IncomeCompound Growth · Monthly Contributions · Retirement Corpus · SWR · FIRE Planning
Use this free Retirement Calculator to accurately estimate your total retirement corpus — the lump sum you will have accumulated at retirement — based on your current age, target retirement age, existing retirement savings, monthly contribution amount, and expected annual rate of return. This retirement savings calculator applies the power of compound interest — where both your principal and accumulated returns grow together over time — to project your total retirement fund value · inflation-adjusted retirement corpus · estimated monthly retirement income · years of retirement your savings will last — giving you a complete, data-driven long-term retirement financial plan.
This online retirement planning calculator supports all major retirement savings vehicles and strategies: EPF (Employee Provident Fund) and PPF (Public Provident Fund) retirement planning in India, 401(k), IRA, and Roth IRA retirement calculations in the US, pension fund and annuity income projection, FIRE (Financial Independence, Retire Early) corpus calculation, Safe Withdrawal Rate (SWR 4% rule) analysis, and NPS (National Pension System) maturity estimation. Whether you are just starting to save at 25 or catching up on retirement planning at 45 — this tool models optimistic, base, and conservative return scenarios to stress-test your retirement readiness and help you determine exactly how much to save per month to retire comfortably. Trusted by salaried employees, self-employed professionals, financial advisors, and certified financial planners (CFPs) for accurate retirement wealth projection and income planning.
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Retirement Calculator — How Much You Actually Need Is Probably Not What You Think
The most common retirement planning mistake is using a single round number as the target — "I need $1 million" — without modeling the variables that determine whether that number is sufficient. Withdrawal rate, investment return during retirement, inflation, Social Security timing, and life expectancy all interact in ways that make $1 million comfortable for one person and inadequate for another. The retirement calculator models all these variables against your specific situation to produce a personalized number, not a generic benchmark.
The 4% rule — withdrawing 4% of your portfolio in year one and adjusting for inflation annually — has historically sustained a 30-year retirement with high probability. But 4% of $800,000 is $32,000/year. If your retirement spending needs are $60,000/year and Social Security covers $20,000, you need $40,000 from savings — which requires a $1 million portfolio at 4%. If your spending needs are $80,000 with the same Social Security, you need $60,000 from savings and a $1.5 million portfolio. The calculator builds from your actual spending estimate, not from a rule of thumb.
Sequence of returns risk is the retirement-specific danger that standard calculators ignore. A 7% average return over 30 years produces very different outcomes depending on whether the bad years come early or late in retirement. Two consecutive 30% down years at the start of retirement, combined with ongoing withdrawals, can permanently impair a portfolio even if the long-run average return is positive. The calculator stress-tests your plan against adverse early sequences so you know whether your savings provide a real margin of safety.