Retirement Planning — How Much Do You Actually Need to Save

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Overview

Most people significantly underestimate their retirement savings target. This calculation shows the actual number you need to retire comfortably.

Retirement corpus = Annual expenses × 25 (the 4% rule) | Monthly saving = Corpus ÷ Months to retirement

Standard formula used by professionals worldwide

Monthly expenses 50,000 → Annual 600,000 → Corpus needed = 15,000,000 | 30 years to save → 13,333/month

Accuracy: Results are as accurate as your inputs
Units: Always use consistent units throughout
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Withdraw 4% of retirement corpus annually. Historically this lasts 30+ years.

Yes — adjust target upward annually by inflation rate during retirement.

As early as possible. Starting at 25 vs 35 requires half the monthly contribution for same result.

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