Retirement Calculator – Future Expense & Savings Planner
Estimate retirement corpus needs, pre/post-retirement savings growth, funding gaps, and monthly SIP contributions required to retire securely.
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How to use Retirement Calculator
- 1
Enter your current age, retirement age, and expected life expectancy.
- 2
Configure monthly expenses today, pre/post-retirement returns, and inflation rates.
- 3
Analyze the net funding gap and required starting monthly investment to retire securely.
Capabilities
- Inflates expenses pre-retirement to calculate real post-retirement budgets
- Backwards-solves required retirement corpus needed during withdrawal phase
- Calculates pre-retirement savings growth and required starting monthly investment
- Dual charts showing pre-retirement accumulation and post-retirement drawdown
This tool operates in a sandbox directly inside your web browser. All parsing, processing, and downloads are rendered locally. Your file size, metadata, and contents never cross the network. It works completely offline.
Frequently Asked Questions
How is the retirement corpus calculated?
The planner simulates post-retirement withdrawals month-by-month, inflating expenses annually and compounding remaining corpus by post-retirement returns to backwards-solve the exact capital needed at retirement day.
What is a retirement funding gap?
The funding gap is the deficit between the total retirement corpus you require to fund your lifestyle, and the projected future value of your existing savings.