ToolPetal
Retirement corpus calculator
Estimate the corpus needed at retirement from today's monthly spend, inflation, years to retire, and expected return. Optional savings are grown to that date.
Annual spend at retirement is today's monthly expenses times 12, then inflated for n years. Corpus is that annual amount divided by real return — a perpetuity that keeps real spending. Inflation % and expected return % are assumptions, not forecasts. Currency-agnostic: enter a number in any unit. This is not tax or investment advice.
Any currency. Annual spend = monthly × 12.
Assumption. Default 6.
Assumption. Default 7. Must beat inflation for a finite corpus.
Optional. Defaults to the same as expected return. Used only to grow existing savings.
Default 0. Grown at the pre-retirement return for n years.
Years to retirement (n)
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Annual spend at retirement
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Corpus needed
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Future value of savings
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Surplus / shortfall
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| Step | Value |
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Not tax or investment advice. Inflation and return rates are assumptions you can edit. The corpus is a real-return perpetuity, not a guarantee of lifestyle or lifespan.