Retirement Calculator
Project your retirement corpus and monthly income.
Inputs
Projected Corpus
₹8,55,78,237
Monthly Income (4% rule)
₹2,85,261
In Today's Money
₹49,667
Years to Retire
30
Growth Timeline
Year-wise Breakdown
| Year | Corpus |
|---|---|
| 1 | ₹8,16,187 |
| 2 | ₹11,72,064 |
| 3 | ₹15,72,617 |
| 4 | ₹20,23,456 |
| 5 | ₹25,30,898 |
| 6 | ₹31,02,052 |
| 7 | ₹37,44,921 |
| 8 | ₹44,68,513 |
| 9 | ₹52,82,969 |
| 10 | ₹61,99,706 |
| 11 | ₹72,31,571 |
| 12 | ₹83,93,031 |
| 13 | ₹97,00,369 |
| 14 | ₹1,11,71,915 |
| 15 | ₹1,28,28,303 |
| 16 | ₹1,46,92,761 |
| 17 | ₹1,67,91,437 |
| 18 | ₹1,91,53,768 |
| 19 | ₹2,18,12,889 |
| 20 | ₹2,48,06,105 |
| 21 | ₹2,81,75,408 |
| 22 | ₹3,19,68,074 |
| 23 | ₹3,62,37,320 |
| 24 | ₹4,10,43,058 |
| 25 | ₹4,64,52,734 |
| 26 | ₹5,25,42,277 |
| 27 | ₹5,93,97,165 |
| 28 | ₹6,71,13,627 |
| 29 | ₹7,57,99,998 |
| 30 | ₹8,55,78,237 |
How this is calculated
Corpus = Savings×(1+r)^t + SIP×[((1+r)^n−1)/r]×(1+r)- 130 years until retirement (age 30 → 60)
- 2Monthly investment: ₹20,000, current savings: ₹5,00,000
- 3Expected return: 12%, inflation: 6%
- 4Projected corpus: ₹8,55,78,237
- 5Estimated monthly income (4% rule): ₹2,85,261
- 6That's ≈ ₹49,667 in today's purchasing power.
Results are estimates for educational purposes only and are not financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.
By Vizo ToolLast updated August 20267 min read
Retirement Calculator — Build Your Retirement Corpus
The Retirement Calculator projects how much money you'll have when you retire and what monthly income it can support. Enter your current age, target retirement age, monthly investment, current savings, expected return, and inflation to see your projected corpus, monthly retirement income, and what that's worth in today's money.
Retirement planning works best early and with realistic assumptions. This tool makes the numbers clear so you can adjust your savings today. Everything runs privately in your browser.
- Corpus projection
- 4% withdrawal rule
- Inflation-adjusted
- Retirement timeline
- Free & private
Why Use Retirement Calculator?
Projected Corpus
See the total retirement fund your current savings plan will build by retirement age.
Monthly Income Estimate
Use the 4% rule to estimate a sustainable monthly withdrawal in retirement.
Inflation-Adjusted
Understand what your future income is actually worth in today's purchasing power.
Retirement Timeline
Know exactly how many years you have to build your corpus.
Features
Full Lifecycle Model
Combines current savings growth with monthly contributions until retirement age.
4% Withdrawal Rule
A widely used guideline for estimating sustainable retirement income.
Inflation Adjustment
Deflates future income into today's rupees so goals stay realistic.
Years-to-Retire
A clear countdown from your current age to retirement age.
Copy, Share & Print
Export your retirement plan summary with one click.
How to Use the Retirement Calculator
Plan your retirement in three steps.
Enter your ages
Set your current age and the age you want to retire (e.g. 30 → 60).
Add savings and returns
Enter monthly investment, current savings, expected return, and inflation.
Review your plan
See your projected corpus, monthly retirement income, and inflation-adjusted value.
Frequently Asked Questions
Got questions? We've got answers.
How much money do I need to retire?▼
A common target is 25–30 times your annual expenses. This calculator projects your corpus and the monthly income it can support.
What is the 4% rule?▼
A guideline suggesting you can withdraw 4% of your retirement corpus annually without running out over a 30-year retirement.
How much should I save for retirement?▼
Aim to save 15–20% of your income. Start early — this calculator shows how much monthly investing can grow over decades.
What is a good expected return for retirement planning?▼
Many planners assume 10–12% on equity-heavy portfolios. Use a lower, conservative figure to stress-test your plan.
What is my corpus if I invest ₹20,000/month until 60?▼
At 12% returns, ₹20,000/month from age 30 to 60 grows to roughly ₹7 crore — the calculator shows your exact projection.
How does inflation affect retirement?▼
Inflation erodes purchasing power — ₹1 lakh today could be worth far less in 30 years. The tool shows inflation-adjusted values.
What is the retirement corpus formula?▼
Corpus = future value of current savings plus the future value of monthly contributions, both compounded at your expected return.
Can I include my existing savings?▼
Yes — enter your current savings and they're compounded to retirement age along with your monthly contributions.
Is the retirement calculator free?▼
Yes, completely free with no sign-ups and no limits.
Are the results guaranteed?▼
No — projections depend on your return assumptions. They're planning estimates, not guarantees.
How do I use the monthly income estimate?▼
It's your corpus × 4% ÷ 12 — a sustainable monthly withdrawal. Adjust your inputs to reach the income you want.
What happens if I retire early?▼
You'll have fewer years to save and more years to fund — the calculator reflects this through your ages and returns.
Can I copy or share my plan?▼
Yes — copy the summary, share it, or print a report of your retirement projection.
Is my financial data private?▼
Yes — all calculations run locally in your browser; nothing is uploaded.
Does it work on mobile?▼
Yes, fully responsive with touch-friendly sliders on all devices.
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