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Retirement Corpus Calculator

Work out retirement corpus instantly with clear inputs, formula shown and shareable results.

About Retirement Corpus Calculator

Retirement planning has two stages: inflate today's expenses to the retirement date, then value that inflating income stream over the retirement years. Using a 2% real return after retirement keeps the corpus in today's purchasing power terms.

Formula

Corpus needed

Expense at retirement = E(1+i)^t; Corpus = PV of that expense over retirement years at a real return

Worked example

With the default values below, Retirement Corpus Calculator returns Corpus Needed At Retirement of $51,095,997. Change any input above and every figure here is recalculated in your browser.

Inputs used

Monthly Expense Todayminimum 0
60,000
Years To Retirementaccepts 1–45
22
Inflation Rateaccepts 0–100 %
6 %
Years In Retirementaccepts 5–50
25

Results

Corpus Needed At Retirement
$51,095,997
Monthly Expense At Retirement
$216,212.24
Total Nominal Spending In Retirement
$142,348,552
Years Funded
25 years

Step by step

  1. 1Values used
  2. 2Corpus needed
  3. 3Corpus Needed At Retirement= 51,095,997
  4. 4Monthly Expense At Retirement= 216,212.24
  5. 5Total Nominal Spending In Retirement= 142,348,552
  6. 6Years Funded= 25 years

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take tax or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Why use a real return after retirement?

Because the withdrawal itself must rise with inflation. Working in real terms handles both sides consistently.

Should healthcare be treated separately?

Yes — medical inflation usually runs above general inflation, so a separate provision is prudent.

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