Skip to content
2x2xKit

Retirement Calculator

Find the corpus you need to retire and how much to save monthly.

How this is calculated
Corpus = inflation-adjusted annual expenses at retirement, valued as an annuity-due over retirement years at the post-retirement real rate of return

Assumptions used in this calculation

  • Withdrawal model: Assumes a fixed real (inflation-adjusted) monthly withdrawal throughout retirement, not a variable spending pattern.

About this calculator

The retirement calculator estimates the total corpus needed to fund your current lifestyle through retirement, adjusting for inflation and using a real-rate-of-return annuity model for the post-retirement withdrawal phase, then calculates the monthly savings required to close the gap from your current savings.

Worked example

30 years old, retiring at 60, living to 85, ₹50,000/month expenses, ₹5,00,000 current savings

Result: Corpus required ≈ ₹6.9 crore; required additional savings ≈ ₹15,436/month

Was this helpful?

Frequently asked questions

Related calculators

PPF Calculator

Calculate the maturity value of a Public Provident Fund (PPF) account.

EPF Calculator

Estimate your Employee Provident Fund (EPF) corpus at retirement.

NPS Calculator

Estimate your National Pension System (NPS) corpus and monthly pension.

Net Worth Calculator

Calculate your net worth from total assets and liabilities.