Retirement Investment Calculator

Use our free retirement investment calculator to estimate how much you need to save for retirement. Project your retirement corpus growth and see how much monthly income it will generate in retirement.

Financial

Currency

Current Age

years

Retirement Age

years

Current Retirement Savings

Monthly Contribution

Expected Annual Return (%)

Life Expectancy

years

Formula

Plan for a comfortable retirement by projecting how your savings will grow with regular contributions and compound returns. See both your retirement corpus and estimated monthly income throughout retirement.

FV with monthly contributions during accumulation; PMT formula for withdrawal phase

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your current age and desired retirement age.
2Input your current retirement savings and monthly contributions.
3Set expected annual return rate during the accumulation phase.
4Enter your life expectancy to project how long your savings need to last.
5View your total retirement corpus and estimated monthly retirement income.

Examples

30 years old, retiring at 65 with $50k savings, $1k/month, 7% return, life expectancy 85

1.35 years of growth and contributions
2.Corpus = $50k × (1+7%/12)^420 + $1k × ...
3.Monthly income for 20 years in retirement

Result: $1,898,456

Frequently Asked Questions

A common rule is 10-12 times your final annual salary. More precisely, aim for a corpus that supports a 4% annual withdrawal rate to cover expenses.

Early retirement means fewer years of contributions and more years of withdrawals. You will need a larger corpus or lower expenses to maintain financial stability.

Inflation reduces purchasing power over time. Consider using a real (inflation-adjusted) return rate by subtracting expected inflation from your nominal return rate.

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Retirement Planning Guide

CalculateMe Team

Last updated: 2026-07-16

How It Works

1Enter your current age and desired retirement age.

2Input your current retirement savings and monthly contributions.

3Set expected annual return rate during the accumulation phase.

4Enter your life expectancy to project how long your savings need to last.

5View your total retirement corpus and estimated monthly retirement income.

Frequently Asked Questions

A common rule is 10-12 times your final annual salary. More precisely, aim for a corpus that supports a 4% annual withdrawal rate to cover expenses.

Early retirement means fewer years of contributions and more years of withdrawals. You will need a larger corpus or lower expenses to maintain financial stability.

Inflation reduces purchasing power over time. Consider using a real (inflation-adjusted) return rate by subtracting expected inflation from your nominal return rate.

Retirement Investment Calculator

Formula

How It Works

Examples

30 years old, retiring at 65 with $50k savings, $1k/month, 7% return, life expectancy 85

Frequently Asked Questions

How much do I need for retirement?

What happens if I retire early?

How does inflation affect retirement planning?

Related Calculators

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Retirement Investment Calculator

Formula

How It Works

Examples

30 years old, retiring at 65 with $50k savings, $1k/month, 7% return, life expectancy 85

Frequently Asked Questions

How much do I need for retirement?

What happens if I retire early?

How does inflation affect retirement planning?

Related Calculators

Related Articles