💰 Retirement Corpus Calculator 💼
📊 Estimates total amount needed & monthly savings required
🌍 Works for any country | Adjust inflation, returns & currency
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Retirement Planner
📌 Your Retirement Snapshot
🏦 Total Corpus Needed: —
📆 Monthly Savings Required: —
📘 How to use this app? (click to expand) ▼
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⭐ Quick Guide:
1. Select your preferred currency/country (affects symbol only).
2. Enter current age, retirement age, life expectancy.
3. Provide annual expenses in today’s money (e.g., $50,000).
4. Set realistic inflation rate (commonly 5-7%), pre-retirement ROI (expected returns while working), and post-retirement ROI (conservative after retirement).
5. Add any current savings you already have.
6. Press “Calculate Corpus & Monthly Need” → get total retirement fund needed + monthly saving target.
🧪 Example: Age 35, retire at 60, live till 85, annual expenses $50,000, inflation 6%, pre-ROI 10%, post-ROI 6%, current savings $10,000 → Corpus needed ~ $1.72M (approx), monthly savings ~ $900-1100 depending on compounding. Adjust to match your goals.
1. Select your preferred currency/country (affects symbol only).
2. Enter current age, retirement age, life expectancy.
3. Provide annual expenses in today’s money (e.g., $50,000).
4. Set realistic inflation rate (commonly 5-7%), pre-retirement ROI (expected returns while working), and post-retirement ROI (conservative after retirement).
5. Add any current savings you already have.
6. Press “Calculate Corpus & Monthly Need” → get total retirement fund needed + monthly saving target.
🧪 Example: Age 35, retire at 60, live till 85, annual expenses $50,000, inflation 6%, pre-ROI 10%, post-ROI 6%, current savings $10,000 → Corpus needed ~ $1.72M (approx), monthly savings ~ $900-1100 depending on compounding. Adjust to match your goals.
✅ The calculator uses future value of expenses (adjusted for inflation till retirement) and then calculates corpus needed to cover post-retirement years with safe withdrawal logic (present value of future annual expenses discounted by post-ret ROI). Monthly savings derived from future value of annuity (pre-ret ROI).
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Understanding Your Numbers
💡 Financial Concept: needed during working years to achieve that target, factoring pre-retirement growth and current savings.
🎯 How to Interpret Results:
- Corpus Needed: total amount you must accumulate by retirement age.
- Monthly Savings Required: amount you should invest each month (starting today) considering your current savings.
- If corpus is too high, increase pre-ret ROI, lower expenses, or extend retirement age.
- Post-ret ROI lower than inflation may require larger corpus.
✨ Apply to your life: Use this as a benchmark — compare with current savings rate, adjust asset allocation, and track yearly.
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