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Retirement Calculator

Project your retirement corpus — nominal and inflation-adjusted, side by side.

Runs in your browserNo sign-up required

Investing a lump sum right now instead? Try the SIP Calculator, which shares the same compound-growth math.

Retirement Corpus (Nominal)₹5,54,21,845
Same Corpus, in Today's Money₹96,49,505
Total Contributed₹59,00,000
Growth Earned₹4,95,21,845
Sustainable Monthly Withdrawal (4% rule, real value)₹32,165
Nominal ValueInflation-Adjusted Value

This is an estimate based on standard financial formulas and the numbers you enter — it doesn’t account for every fee, tax rule, or lender-specific term, and isn’t a substitute for advice from a qualified financial professional. Read the full disclaimer.

A Number You Can Actually Trust

A raw future corpus number, decades out, is easy to misread — inflation quietly erodes what that money can buy. This tool projects your retirement savings and shows both the nominal total and its real, inflation-adjusted value in today's money, plus a rough sustainable monthly withdrawal estimate to make the number tangible.

How to Use This Tool

  1. 1Enter your current and retirement ageDetermines how many years your money has to grow.
  2. 2Add your current savings and monthly contributionWhat you've already saved, plus what you're adding regularly.
  3. 3Set expected return and inflation ratesBoth shape your real, spendable outcome — not just the raw number.
  4. 4Compare nominal vs. real corpusSee what your projected corpus is actually worth in today's purchasing power.

Good to Know

  • The nominal corpus is the raw future number; the real (inflation-adjusted) corpus shows what that same amount can actually buy in today's money — the real number is the one that should guide your planning.
  • The sustainable monthly withdrawal uses a commonly cited 4% annual withdrawal rule, applied to your inflation-adjusted corpus, as a rough guide to how much you could spend per month without running out.
  • This shares its underlying compound-growth math with the Compound Interest Calculator and Kravoy's SIP Calculator.
  • Actual investment returns aren't guaranteed and will vary — treat the projection as a planning estimate, not a promise.

Frequently Asked Questions

Why show both a nominal and a real corpus?

A large nominal number decades from now can be misleading on its own — inflation steadily erodes purchasing power, so the "real" (inflation-adjusted) figure shows what that same corpus is actually worth in today's money, which is the number that matters for realistic planning.

What is the 4% withdrawal rule?

It's a widely cited rule of thumb suggesting a retirement corpus can sustain roughly 4% of its value withdrawn per year (adjusted for inflation) without running out over a typical multi-decade retirement — a starting point for planning, not a guarantee.

How is this different from the SIP Calculator?

They share the same compound-growth engine, but this tool is framed specifically around retirement planning — current/retirement age, and an inflation-adjusted view of the outcome.

Does this account for changes in my contribution over time, like raises?

No — it assumes a constant monthly contribution throughout, which keeps the projection simple. Increasing your contribution over time would produce an even larger corpus than shown here.