Retirement Calculator
How Much Do I Need to Retire?

Find your retirement savings goal based on expenses, inflation, and the 4% rule.

🎯 Retirement corpus & gap analysis
 
Your retirement profile
Retirement goal & readiness
Status: surplus
Required corpus
$1,500,000
Projected savings
$1,200,000
Monthly need at retire
$6,200
Gap / surplus
$300,000

*4% rule applied: annual withdrawal = corpus × 0.04. Other income supplements.

Year‑by‑year retirement projection
YearAgeCorpus startWithdrawalOther incomeEnd corpus

How much do you need to retire comfortably?

Knowing your retirement number is the first step. This calculator uses your current monthly expenses, inflation, and the classic 4% rule to estimate the total corpus required. For a 45‑year‑old planning to retire at 65, with $4,000 monthly expenses today, 2.5% inflation, and 6% return, the required corpus is about $1.63M (in future dollars).

Inflation’s impact on lifestyle

Your $4,000 monthly expenses today will grow to roughly $6,550 by retirement due to inflation. The 4% rule says you can withdraw 4% of your corpus in the first year, adjusting annually for inflation, with high confidence of not outliving your money. Thus, required corpus = (annual expenses at retirement) / 0.04.

Closing the gap

If your projected savings (current nest egg plus future growth) fall short, you have options: save more, delay retirement, reduce expenses, or plan to work part‑time. Our gap analysis shows the difference. In the example, if current savings are $200k and you contribute $0 (here we don't include monthly contributions in this version; but future value of current savings alone may be insufficient; we also optionally account for other income like pension).

Example: Age 45, retire 65, life 90, expenses $4,000, inflation 2.5%, return 6%, other income $0. Future annual expenses = $4,000×12×(1.025)^20 ≈ $4,000×12×1.6386 = $78,653. Required corpus = $78,653 / 0.04 = $1,966,325. Future value of $200k at 6% over 20y = $641,427. Gap = $1.32M. Additional savings needed.

Diversified income streams like pensions or Social Security (enter as "other income") reduce the burden on your corpus.

Use these calculations as an informational basis only. Do not make financial, legal, or retirement decisions solely based on these results.

Frequently asked questions

How much money do I need to retire comfortably? It depends on your expenses, inflation, and lifespan. The 4% rule gives a starting point: 25× your expected first‑year expenses.
What is the 4% rule in retirement planning? A guideline suggesting you can withdraw 4% of your portfolio annually, adjusted for inflation, with minimal risk of depletion over 30 years.
How does inflation affect retirement needs? Inflation increases future expenses. Our calculator adjusts your current expenses by inflation to retirement age.
What if I have other income sources? Enter them under “other monthly income.” They reduce the amount you need to withdraw from savings.
How accurate is this retirement calculator? It provides a solid estimate based on constant returns and inflation; actual market performance may differ.
 
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