What does the Retirement Calculator do?
The Retirement Calculator estimates how much you need to retire comfortably by factoring in inflation over time, projecting your savings growth, and showing any shortfall between your projected corpus and your retirement needs. It helps you see if your current savings rate is enough or if you need to invest more.
Common uses
- Retirement planning — calculate the corpus you will need at retirement age based on your desired monthly expenses
- Inflation impact — see how inflation erodes purchasing power over 10, 20, or 30 years
- Savings check — project how your current investments (EPF, PPF, NPS, SIPs) will grow by retirement
- Gap analysis — identify the shortfall between your projected corpus and your estimated needs
Key features
- Inflation adjusted — factors in inflation over time so your expense target reflects real purchasing power
- Savings projection — projects growth of your current savings and monthly contributions at an assumed return
- Shortfall analysis — shows the gap between your projected corpus and the inflation-adjusted retirement need
How it works
Enter your current age, retirement age, current monthly expenses, expected inflation rate, current savings, monthly investment, and expected return. The tool inflates your monthly expenses to your retirement age using the inflation rate, calculates the total corpus needed (typically 25-30x annual expenses), projects your savings forward with compound growth, and shows whether you have a surplus or shortfall.
Verdict
The Retirement Calculator gives you a clear, inflation-adjusted picture of your retirement readiness with savings projections and shortfall analysis — free, private, and always available.