Retirement calculator

How this is calculated

Expense at retirement E = monthly expense × 12 × (1 + g)^years. Corpus = E × [1 − ((1 + g)/(1 + r))^N] ÷ (r − g) × (1 + r), or E × N when r = g. The SIP closes the gap after existing savings grow.

Worked example

If the post-retirement return equals inflation, the corpus is simply E × N.

Assumptions

• Expenses rise with inflation every year; withdrawals at the start of each year.

Frequently asked questions

Why use a lower return after retirement?

Most people hold safer, lower-return investments once they depend on withdrawals.