Find your retirement number with inflation. This retirement corpus calculator estimates your future monthly expenses, required retirement nest egg, safe-withdrawal assumption, and the monthly SIP needed after accounting for current savings.
Estimate your total corpus and monthly SIP.
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Estimate your retirement corpus by first inflating today's monthly expenses to retirement age, then dividing the annual future expense by a sustainable real withdrawal rate. The calculator then subtracts the future value of your current savings and solves the monthly SIP needed to close the gap.
Default example: $2,000 monthly expenses for a 30-year-old retiring at 60 become about $8,644/month at 5% inflation. With a 6% post-retirement return and 5% inflation, the real withdrawal rate is 1%, so the required corpus is about $10.37M.
A Retirement Corpus Calculator is a powerful financial planning tool that helps you answer the most important question about your future: "How much money do I need to save for retirement?" This retirement nest egg calculator goes beyond simple savings projections. It first calculates your total target corpus (the final amount you need) by accounting for inflation-adjusted retirement expenses. Then, it tells you the monthly SIP (Systematic Investment Plan) you need to start saving to reach that target, factoring in your current savings and expected investment returns.
This is a multi-step calculation. Here's a simple breakdown of the process this retirement savings calculator uses:
FME = Current Monthly Expenses × (1 + Inflation Rate)Years
Required Corpus = (FME × 12) / (Post-Retirement Return Rate - Inflation Rate)
Let's use the calculator's default values to see how much to save for retirement:
Calculation Steps:
1. Future Monthly Expenses (FME):
$2,000 × (1 + 0.05)30 = $8,643.88
(Your $2k/month lifestyle will cost $8,644/month in 30 years!)
2. Required Corpus:
($8,643.88 × 12) / (0.06 - 0.05) = $10,372,662
(You need over $10 million to retire!)
3. Required Monthly SIP:
The calculator solves for the SIP needed to turn $50,000 into $10.37M in 30 years at 12% return. The answer is $2,454 per month.
This page estimates the total retirement corpus you need across all accounts based on expenses, inflation, return assumptions, and safe-withdrawal planning. If your search is specifically about 401(k) growth, employer match, annual contribution limits, or what your 401(k) may be worth in 10, 20, or 30 years, use the 401(k) Calculator.
For supporting retirement planning, compare this result with the Pension Calculator, Future Value Savings Calculator, and Compound Interest Calculator.
This is arguably the most important calculator for long-term financial health. Use it to:
The numbers you use are critical. Here are some common "Standard Values" used by financial planners:
A retirement corpus is the total nest egg you need by retirement so your future expenses can be funded through withdrawals, investment income, or a mix of both.
First inflate current monthly expenses to retirement age, then annualize that future expense and divide it by the real withdrawal rate, which is post-retirement return minus inflation.
After estimating the required corpus, subtract the future value of current savings and solve the monthly investment needed over the years remaining until retirement.
A safe withdrawal rate is the percentage of the retirement corpus you expect to withdraw each year without quickly depleting the portfolio. This calculator uses post-retirement return minus inflation as a real-return withdrawal assumption.
Inflation raises future living costs. A monthly expense that feels manageable today can require a much larger income by retirement, so the calculator inflates expenses before estimating the corpus.
No. This page estimates the total retirement corpus and monthly savings needed. Use the 401(k) Calculator when you need account-specific projections for contributions, employer match, limits, and future 401(k) balance.
Now that you know how much to save for retirement, compare your plan with the 401(k) Calculator, SIP Calculator, and Compound Interest Calculator.
Want the background and formulas behind this calculator? Read the companion guide.
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