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Frequently Asked Questions
It depends on the lifestyle you want to keep, not on a fixed number. Take your current monthly expenses, grow them by inflation up to your retirement date, then work out the lump sum needed to pay that amount every month until your life expectancy. This calculator does all three steps for you — and our guide on how much you need to retire explains why the popular "25× expenses" answer often does not apply.
Because it compounds twice. It raises the cost of your lifestyle between now and retirement, and it keeps raising it for every year you are retired. At 6% inflation, expenses of 1,000 a month today become roughly 3,200 a month in 20 years — and keep climbing after that.
It is your investment return after inflation is stripped out, calculated as ((1 + return) / (1 + inflation)) - 1. If your corpus earns 8% while inflation runs at 6%, the real rate is about 1.89%, not 2%. Retirement maths uses the real rate because your corpus has to grow and fund rising expenses at the same time.
Most people use a higher rate before retirement and a lower one after, because portfolios usually shift towards safer assets once income stops. A common approach is an equity-weighted rate while you are earning and a more conservative rate for the retirement years. Enter whatever matches your own plan.
Yes. Pick your currency symbol at the top and enter your own inflation and return assumptions. The maths is currency-neutral, so it works the same whether you plan in dollars, euros, pounds or rupees.
Enter them in the Current Savings field. The calculator grows that amount at your pre-retirement return rate, subtracts it from the corpus you need, and only asks you to save for the remaining gap. If your existing savings already cover the target, the required monthly saving comes out as zero.