Target Retirement Corpus
Navy: Investments | Blue: Interest Wealth
Retirement Calculator – Secure Your Financial Freedom for the Future
Retirement planning is not about an age; it is about a number. In the inflationary economy of 2026, simply saving is not enough. You need to account for rising costs, medical expenses, and lifestyle maintenance. The MasterWebTool Retirement Calculator helps you identify your “Magic Number”—the corpus you need to maintain your standard of living post-retirement.
The Math of Future Value and Inflation
Our retirement planner uses the Inflation-Adjusted Return formula. This ensures that the 1 Crore you save today is viewed in terms of its actual purchasing power 20 or 30 years from now.
$$Real\,Rate = \frac{1 + Nominal\,Rate}{1 + Inflation\,Rate} – 1$$
This formula helps us calculate the “Real” growth of your money after accounting for the rising cost of living in 2026.
Steps to a Stress-Free Retirement
- Define Your Expenses: Estimate your monthly costs in today’s value, and our tool will project them into the future.
- Analyze Life Expectancy: Plan for a corpus that lasts at least 25-30 years post-retirement to ensure you never run out of funds.
- Asset Allocation: Balance your portfolio between safe FDs and growth-oriented Mutual Funds as you approach your retirement date.
“The best time to start planning for retirement was twenty years ago. The second best time is today.”
Frequently Asked Questions (Retirement Planning)
What is the 4% Rule in Retirement?
The 4% rule is a thumb rule suggesting that if you withdraw 4% of your retirement corpus annually, your money is likely to last for 30 years. However, our tool allows you to customize this based on 2026 market conditions.
How does inflation affect my retirement?
Inflation erodes the value of money. At a 6% inflation rate, the cost of goods doubles roughly every 12 years. Our calculator builds this “Cost Increase” into your final plan so you aren’t caught off-guard.
📗 How to Use the Retirement Calculator (Free & Pro)
- Enter Your Current Age: Type your present age in the input box.
- Select Retirement Age: Choose the age when you plan to retire.
- Add Current Savings: Enter the total money you already saved for retirement.
- Enter Monthly Contribution: Type how much you will invest every month.
- Annual Return Rate: Add expected yearly returns (e.g., 8–12%).
- Click “Calculate”: The calculator will estimate your future retirement corpus.
- Review Expected Monthly Income: Uses the 4% rule for safe retirement withdrawal.
- Click “Reset” to Start New: Clear all inputs and start fresh.
💡 Tip: Try different return rates or retirement ages to compare various retirement scenarios.
A Retirement Calculator helps you estimate how much money you will have when you retire based on your savings, monthly investments, and expected returns.
- Estimates total retirement corpus using compound interest.
- Provides projected monthly income using standard rules like 4% withdrawal.
- Helps you plan financial freedom and avoid shortages after retirement.
- Supports long-term financial planning for a stress-free future.
- Shows impact of different saving strategies and interest rates.
📈 This tool simplifies complex financial math into easy, clear results.
- 🧮 Uses compound interest formulas to calculate future savings.
- 📊 Combines current savings + monthly SIP contributions.
- 📅 Calculates based on remaining months until retirement.
- 📈 Computes growth at your expected annual return %.
- 🏦 Uses the 4% safe withdrawal rule to estimate monthly income.
- 💡 Helps you decide if you need to invest more to reach your goals.
💡 Compound interest grows your money faster the earlier you start investing.
| Result Type | Meaning | How to Use It |
|---|---|---|
| Total Corpus | Total amount saved at retirement age. | Compare with your retirement lifestyle goals. |
| Years Until Retirement | Time left to grow your money. | More years = higher corpus due to compounding. |
| Monthly Withdrawal (4% Rule) | Safe monthly income after retirement. | Use to estimate your retirement lifestyle budget. |
💬 Use this data to adjust your savings and improve your retirement plan.
- 📅 Start investing as early as possible to maximize compounding.
- 💰 Increase savings gradually every year (step-up SIP).
- 📊 Use diversified investments for stable long-term growth.
- 🛡️ Protect your finances with insurance and emergency funds.
- 📈 Review your retirement plan every 6–12 months.
- 🎯 Adjust your retirement age based on financial goals.
- 🔁 Recalculate regularly to stay on track.
📘 Combining consistent savings + long-term investing ensures strong retirement wealth.
- ❓ Which return rate should I use?
Use 8–12% for equity, 6–8% for balanced funds. - ⚙️ Why is my corpus increasing slowly?
You may be starting late or saving too little. - 📊 Is the 4% rule safe?
It’s a globally accepted safe withdrawal guideline. - 💬 Does inflation affect results?
This calculator shows nominal values; consider inflation separately. - 🔄 Can I change the formula?
Yes, contact support for a custom version. - 🔒 Is my data safe?
Everything runs locally in your browser — nothing is stored.
Need help? Visit our Support Center.
💪 Use these tools together for complete financial planning.
👴 Financial Independence Suite
Comprehensive tools to plan your long-term security