Retirement Calculator — Corpus Needed, Monthly Savings & FIRE Number
Calculate exactly how much you need to retire comfortably — corpus required, monthly savings needed and your FIRE number. Inflation-adjusted projections for India and global users. Free, no sign-up.
Last updated: June 2026
Scenario presets
Sets pre-retirement return and inflation. Fine-tune any slider below.
In today's value — we inflate it for you.
Your retirement plan
- Corpus required (at retirement)
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- Corpus you'll have
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- Gap / surplus
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- Monthly investment needed
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- Years to retirement
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- Years in retirement
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🔥 Your FIRE Number (today's value)
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Annual expenses × 25 (4% safe withdrawal rule).
📉 Effect of inflation
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Milestone targets (every 5 years)
Where you should be versus your current projection to stay on track.
| Age | Savings target | Your projection | On track? |
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A free retirement calculator that accounts for inflation.
A retirement calculator answers the single most important money question of your life: will you have enough? Most simple calculators ignore inflation and quietly understate the corpus you'll need by a wide margin. This tool does it properly — it inflates today's expenses to your retirement year, then keeps inflating them through every year of retirement, so the corpus figure it shows is in realistic future money rather than misleadingly small today's-value numbers.
You enter your current age, the age you want to retire, what you've already saved, how much you invest each month, and the monthly expenses you'd want in today's terms. The calculator then projects two numbers side by side: the corpus you will need and the corpus you're on track to have. The difference is your gap or surplus, shown in green when you're ahead and red when you're behind, so you know instantly where you stand.
Your FIRE number and the 4% rule
The FIRE number — Financial Independence, Retire Early — is the amount you'd need invested right now to live off your portfolio forever. It's based on the 4% safe withdrawal rule, which says you can sustainably withdraw about 4% of a diversified portfolio each year, so your FIRE number is simply your annual expenses multiplied by 25. Watching that figure helps you frame early-retirement goals and see how cutting expenses lowers the finish line dramatically.
Use the Conservative, Moderate, and Aggressive scenario presets to stress-test your plan against different return and inflation assumptions, and watch how the monthly investment needed changes. The milestone table shows where your savings should be every five years so you can check your progress over time. Everything runs privately in your browser — no income, balances, or goals ever leave your device — so model as many scenarios as you like.
Financial Disclaimer: This is a projection tool for informational purposes only and not financial or investment advice. Actual returns, inflation, and expenses will vary, and projections are not guarantees. Consult a qualified financial advisor before making retirement decisions.
How it works
Three quick steps — no account, nothing uploaded to a server.
Enter your details
Set your age, retirement age, savings, monthly investment and expected expenses using the sliders and boxes.
See your gap or surplus
The calculator inflates your expenses and shows the corpus you need versus what you're on track to have.
Adjust to close the gap
Use the scenario presets and the 'monthly investment needed' figure to build a plan that gets you to your goal.
Related reading
Retirement planning concepts on this page align with investor education from Investor.gov (US Securities and Exchange Commission). Last checked July 2026.
FAQ
Frequently asked questions
How much retirement corpus do I need?
The corpus you need depends on your expected monthly expenses at retirement, how long you'll spend in retirement, and the return your money earns after you retire. This calculator first inflates today's expenses to your retirement year, then works out the lump sum required to fund inflation-indexed withdrawals for every year from retirement to your life expectancy. As a rough rule of thumb, many planners target 25 to 30 times your annual expenses — but the inflation-adjusted projection here gives a far more personalised figure than any single multiple.
What is a FIRE number and how is it calculated?
FIRE stands for Financial Independence, Retire Early. Your FIRE number is the amount you'd need invested today to live off your portfolio indefinitely, based on the 4% safe withdrawal rule. It is calculated as your annual expenses multiplied by 25 (since 1 ÷ 0.04 = 25). For example, if you spend ₹50,000 a month, that's ₹6,00,000 a year, so your FIRE number is ₹1.5 crore. Withdrawing 4% a year is widely considered sustainable across a long retirement, though it is a guideline rather than a guarantee.
How does inflation affect my retirement savings?
Inflation quietly erodes the buying power of your money, so the expenses you have today will cost far more by the time you retire. At 6% inflation, costs roughly double every 12 years — meaning ₹50,000 of monthly expenses today could need around ₹1,60,000 a month in 20 years just to maintain the same lifestyle. This calculator inflates your expenses to your retirement year and keeps inflating them through retirement, so the corpus it shows is in realistic future rupees (or your chosen currency), not understated today's-money figures.
What return should I assume before and after retirement?
Before retirement you can usually afford a higher allocation to equities, so a long-term return of 10–12% is a common assumption for diversified equity investing, though actual returns vary year to year. After retirement, most people shift towards safer, income-generating assets, so a more conservative 6–8% is typical. This tool lets you set both rates separately, and the scenario tabs give you Conservative, Moderate, and Aggressive presets so you can stress-test how sensitive your plan is to the returns you actually achieve.
How much should I invest each month to retire comfortably?
The 'Monthly Investment Needed' figure shows exactly how much you'd have to invest every month — given your current savings and expected return — to reach the corpus you need. If it's higher than what you currently invest, you have a gap to close; if it's lower, you're ahead of schedule. Starting earlier makes an enormous difference because of compounding, so even small increases to your monthly investment today can dramatically shrink the amount you need later.
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