Retirement Calculator 2026

It tells you whether your current savings and monthly contributions put you on track for the retirement you want. Enter your age, target retirement age, current savings, monthly contributions, expected return, and desired monthly income. It projects your corpus, calculates how long it'll last, and shows the gap — if any — between where you're headed and where you need to be.

Quick estimate: 25 times your annual expenses (the 4% Rule). You need ₹60 lakh/year → target ₹15 crore corpus. In India, ₹3-5 crore is a common target for a comfortable metro retirement. In the US, $1-2 million is typical. These are rough benchmarks — your number depends on your lifestyle, city, health, and how long you expect to live. Use the calculator with your actual numbers, not a rule of thumb.

Withdraw 4% of your corpus in Year 1, then adjust that amount for inflation each year. Historically, this meant you wouldn't run out of money over a 30-year retirement. Corpus ₹2.5 crore → withdraw ₹10 lakh in Year 1. Many experts now recommend 3-3.5% for longer retirements or higher-inflation countries like India. The 4% rule is a starting point, not a guarantee — test your plan with the calculator at different withdrawal rates.

Today. ₹10,000/month at 10% starting at 25 → ~₹5.6 crore at 60. Same amount starting at 35 → ~₹2.1 crore. That 10-year delay costs ₹3.5 crore. Start with whatever you can — even ₹1,000/month — and increase it every year. The cost of waiting is higher than the cost of any bad investment you'll ever pick.

It's the risk of big losses early in retirement when you're withdrawing money. Same average 8% return over 30 years: if you lose 20% in Year 1 while withdrawing, your corpus may never recover. If you gain 20% in Year 1, you're fine. The order of returns matters more than the average. To manage it: keep 2-3 years of expenses in cash, reduce equity near retirement, and consider guaranteed income sources.