Retirement Calculator
What does saving today mean for the life you can afford later? Project your corpus, see it in today's money, and the monthly income it could sustain.
Your situation
Age-by-age breakdown
| Age | Contributed | Growth | Balance |
|---|
Reading your projection honestly
Retirement calculators love showing big numbers. The one that matters is smaller: the corpus in today's money. A million in 30 years, at 3% inflation, buys what about 412,000 buys today. That's why this calculator always shows both figures side by side — plan against the inflation-adjusted one.
The second honest number is sustainable income. Using the widely-cited 4% rule, the calculator shows the monthly amount your corpus could support — again both in future currency and today's purchasing power. If the today's-money income doesn't cover the life you want, you have three levers: save more monthly, retire later, or earn a higher return (which usually means accepting more risk).
Why starting age dominates everything
Because growth compounds, each decade you delay costs roughly half the final corpus. A 25-year-old saving 500/month at 7% reaches about double the corpus of a 35-year-old saving the same — not from saving more, but from letting compounding run longer. Try moving the current-age slider and watch the growth band of the chart.
Beyond this calculator
- Pensions, employer matches and government schemes add income this simple model doesn't include — treat the result as your personal-savings floor.
- Returns usually get de-risked (and lower) as retirement approaches; consider re-running with a blended, conservative rate.
- Healthcare and housing costs often rise faster than general inflation — build margin.