Retirement Calculator
Calculate retirement corpus and plan for financial independence
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Retirement Analysis
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📌 Important Notes
- Corpus Needed: Assumes 50% investment withdrawal during retirement
- Inflation Impact: Current expenses adjusted for inflation at retirement
- Investment Returns: Different rates for pre- and post-retirement periods
- Monthly income assumes 4% safe withdrawal rule from corpus
- Does not include Social Security or Pension amounts
- Consult financial advisor for personalized retirement planning
📐 Retirement Corpus Formula
C
=
AE
÷
WR
AE
=
ME
×
12
×
(
1
+
i
)
y
C = required retirement corpus
AE = annual expense at retirement
ME = current monthly expense
WR = withdrawal rate (typically 4%)
i = inflation rate
y = years to retirement
This follows a formula-style 4% withdrawal framework with inflation projection.
❓ Retirement Calculator FAQs
What is a safe withdrawal rate in retirement?+
Many planners use 4% as a starting benchmark, but ideal withdrawal rates depend on retirement duration, returns, inflation, and personal risk tolerance.
Why should inflation be included in retirement planning?+
Inflation raises future living costs. Ignoring it can cause major underestimation of required retirement corpus and monthly income needs.
How do pre-retirement returns affect my target?+
Higher pre-retirement returns can reduce monthly savings needed, while lower returns increase contribution requirements. Use realistic long-term assumptions.
How is the corpus requirement calculated?+
It starts with projected expenses at retirement age, then estimates how much capital is needed to support withdrawals across retirement years with inflation in mind.