Retirement Calculator — Corpus & Sustainable Income
Project your retirement savings and the monthly income they can support.
✓ updated June 2026
Income uses a 4% withdrawal rate on the projected corpus. Use a real (after-inflation) return to read everything in today's money. Works in any currency.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Enter your age, retirement age, current savings and monthly contribution to project your retirement corpus with monthly compounding — then see the income it can sustainably pay using your chosen withdrawal rate (4% is the classic baseline). Currency-agnostic: use a real (after-inflation) return and everything reads in today's money.
How to use the Retirement Calculator
- Enter your current age and planned retirement age.
- Add your current savings and monthly contribution.
- Set the expected return and a withdrawal rate for retirement.
- Read your projected corpus and the monthly income it supports.
Frequently asked questions
How much do I need to retire?
A common rule: 25× your annual expenses (the 4% rule). If you spend 40,000 a year, aim for about 1,000,000 — adjust with a more conservative 3–3.5% withdrawal rate for longer retirements.
Should I use nominal or real returns?
Real (after-inflation) returns — e.g. 7% nominal minus 3% inflation ≈ 4% real. Then the projected corpus and income are in today's purchasing power, which is far easier to sanity-check.
Does this include pensions like 401(k), EPF or super?
Treat those balances as part of current savings and their inflows as part of the monthly contribution. For scheme-specific rules, see our EPF, NPS and superannuation calculators.