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Calculate total corpus needed for retirement.
Retirement Corpus Intelligence
Target Corpus Required
$0Years to Retirement
30 Years
Monthly Expenses at Exit
Based on inflation-adjusted corpus withdrawal model
Step-up SIP (10%/yr)
$7,053/mo
Flat SIP (12% CAGR)
$19,509/mo
If invested at 8% post-retirement return, you can withdraw:
$526,243/mo
Finlytic Pro's free retirement planner helps you calculate exactly how much money you need to save to retire comfortably at your target age. Using inflation-adjusted projections and expected investment returns, our calculator shows your required retirement corpus, monthly savings goal, and the gap between your current trajectory and your retirement goal — completely privately, in your browser.
The most common retirement planning rule is the 25x Rule (or the 4% Rule): to retire comfortably, you need a nest egg equal to 25 times your annual retirement expenses. If you expect to spend $60,000 per year in retirement, you need approximately $1.5 million saved. However, this rule assumes a 4% annual safe withdrawal rate and may need adjustment based on your retirement duration, investment mix, and country of residence.
American workers have several tax-advantaged retirement vehicles. A 401(k) allows contributions up to $23,000 in 2025 ($30,500 if age 50+), with many employers offering matching contributions — effectively free money. A Traditional IRA allows up to $7,000 annually ($8,000 if 50+) in pre-tax contributions. A Roth IRA allows after-tax contributions that grow tax-free for life. Social Security provides additional income in retirement, though the average monthly benefit in 2025 is approximately $1,907. Our planner helps you model how these sources combine toward your goal.
India's retirement ecosystem includes several government-backed instruments. The National Pension System (NPS) allows up to ₹2 lakh in tax-deductible contributions (₹1.5L under 80C + ₹50K under 80CCD(1B)). PPF (Public Provident Fund) offers tax-free returns at a government-mandated rate (currently 7.1% p.a.) with a 15-year lock-in. EPF (Employee Provident Fund) mandates 12% of basic salary contributions from both employer and employee. Our planner factors in these vehicles for Indian retirement modeling.
The impact of time on retirement savings is staggering. If you invest ₹10,000 ($120) per month starting at age 25 at a 10% annual return, you accumulate approximately ₹6.3 crore ($760,000) by age 60. Starting the same investment at age 35 yields only ₹2.3 crore ($275,000) — less than half the amount despite only 10 fewer years. This is the power of compounding that makes early retirement planning critical.
The FIRE movement (Financial Independence, Retire Early) has gained significant following among millennials and Gen Z who aim to retire in their 30s or 40s by aggressively saving 50–70% of their income. FIRE calculations typically use a more conservative 3% safe withdrawal rate rather than the traditional 4%, requiring a larger corpus — approximately 33x annual expenses instead of 25x. Our calculator can model FIRE scenarios by adjusting your target retirement age and withdrawal rate.
Enter Your Current Details
Set Return & Inflation Assumptions
Review Your Retirement Plan
Enter Your Current Details
Input your current age, target retirement age, current monthly expenses, and any existing retirement savings.
Set Return & Inflation Assumptions
Enter your expected annual investment return rate (e.g., 10% for equity-heavy portfolios) and anticipated inflation rate (e.g., 6% for India, 3% for USA).
Review Your Retirement Plan
Instantly see your required retirement corpus, your current savings trajectory, and the recommended monthly savings to reach your goal.
Financial planners recommend saving at least 15% of your gross income for retirement. For early retirement, aim for 30–50%. Our calculator computes your exact required monthly savings based on your age, target retirement age, and desired lifestyle.
The 4% rule states that if you withdraw 4% of your retirement corpus in year one and adjust for inflation annually, your money will last 30 years. This means you need 25x your annual retirement expenses saved. For longer retirements (40+ years), a 3.5% or 3% withdrawal rate is safer.
Enormously. If you need $60,000/year today, inflation at 3% means you'll need approximately $97,000 in 15 years and $130,000 in 25 years. Our calculator adjusts your target corpus for inflation so you don't underestimate your needs.
Ideally in your 20s, even with small amounts. Due to compounding, money invested at 25 is worth approximately 4x more at retirement than money invested at 45. There is no "too early" — but there is "too late".
No. All calculations are done entirely in your browser using JavaScript. Your income, savings, and retirement projections never leave your device.
Calculate total corpus needed for retirement.
Retirement Corpus Intelligence
Target Corpus Required
$0Years to Retirement
30 Years
Monthly Expenses at Exit
Based on inflation-adjusted corpus withdrawal model
Step-up SIP (10%/yr)
$7,053/mo
Flat SIP (12% CAGR)
$19,509/mo
If invested at 8% post-retirement return, you can withdraw:
$526,243/mo
Finlytic Pro's free retirement planner helps you calculate exactly how much money you need to save to retire comfortably at your target age. Using inflation-adjusted projections and expected investment returns, our calculator shows your required retirement corpus, monthly savings goal, and the gap between your current trajectory and your retirement goal — completely privately, in your browser.
The most common retirement planning rule is the 25x Rule (or the 4% Rule): to retire comfortably, you need a nest egg equal to 25 times your annual retirement expenses. If you expect to spend $60,000 per year in retirement, you need approximately $1.5 million saved. However, this rule assumes a 4% annual safe withdrawal rate and may need adjustment based on your retirement duration, investment mix, and country of residence.
American workers have several tax-advantaged retirement vehicles. A 401(k) allows contributions up to $23,000 in 2025 ($30,500 if age 50+), with many employers offering matching contributions — effectively free money. A Traditional IRA allows up to $7,000 annually ($8,000 if 50+) in pre-tax contributions. A Roth IRA allows after-tax contributions that grow tax-free for life. Social Security provides additional income in retirement, though the average monthly benefit in 2025 is approximately $1,907. Our planner helps you model how these sources combine toward your goal.
India's retirement ecosystem includes several government-backed instruments. The National Pension System (NPS) allows up to ₹2 lakh in tax-deductible contributions (₹1.5L under 80C + ₹50K under 80CCD(1B)). PPF (Public Provident Fund) offers tax-free returns at a government-mandated rate (currently 7.1% p.a.) with a 15-year lock-in. EPF (Employee Provident Fund) mandates 12% of basic salary contributions from both employer and employee. Our planner factors in these vehicles for Indian retirement modeling.
The impact of time on retirement savings is staggering. If you invest ₹10,000 ($120) per month starting at age 25 at a 10% annual return, you accumulate approximately ₹6.3 crore ($760,000) by age 60. Starting the same investment at age 35 yields only ₹2.3 crore ($275,000) — less than half the amount despite only 10 fewer years. This is the power of compounding that makes early retirement planning critical.
The FIRE movement (Financial Independence, Retire Early) has gained significant following among millennials and Gen Z who aim to retire in their 30s or 40s by aggressively saving 50–70% of their income. FIRE calculations typically use a more conservative 3% safe withdrawal rate rather than the traditional 4%, requiring a larger corpus — approximately 33x annual expenses instead of 25x. Our calculator can model FIRE scenarios by adjusting your target retirement age and withdrawal rate.
Enter Your Current Details
Set Return & Inflation Assumptions
Review Your Retirement Plan
Enter Your Current Details
Input your current age, target retirement age, current monthly expenses, and any existing retirement savings.
Set Return & Inflation Assumptions
Enter your expected annual investment return rate (e.g., 10% for equity-heavy portfolios) and anticipated inflation rate (e.g., 6% for India, 3% for USA).
Review Your Retirement Plan
Instantly see your required retirement corpus, your current savings trajectory, and the recommended monthly savings to reach your goal.
Financial planners recommend saving at least 15% of your gross income for retirement. For early retirement, aim for 30–50%. Our calculator computes your exact required monthly savings based on your age, target retirement age, and desired lifestyle.
The 4% rule states that if you withdraw 4% of your retirement corpus in year one and adjust for inflation annually, your money will last 30 years. This means you need 25x your annual retirement expenses saved. For longer retirements (40+ years), a 3.5% or 3% withdrawal rate is safer.
Enormously. If you need $60,000/year today, inflation at 3% means you'll need approximately $97,000 in 15 years and $130,000 in 25 years. Our calculator adjusts your target corpus for inflation so you don't underestimate your needs.
Ideally in your 20s, even with small amounts. Due to compounding, money invested at 25 is worth approximately 4x more at retirement than money invested at 45. There is no "too early" — but there is "too late".
No. All calculations are done entirely in your browser using JavaScript. Your income, savings, and retirement projections never leave your device.