Plan your retirement with 401k projections, pension planning, and Monte Carlo simulation. Calculate retirement corpus, safe withdrawal rates, and achieve financial independence.
Our advanced retirement calculator helps you plan for financial independence with 401k projections, pension planning, and Monte Carlo simulation. Calculate your retirement corpus, safe withdrawal rates, and income needs with inflation adjustment and life expectancy projections. Whether planning traditional retirement at 65 or pursuing FIRE (Financial Independence, Retire Early), our tool provides comprehensive analysis.
Essential for anyone planning retirement, from young professionals just starting their 401k to pre-retirees finalizing their strategies. Free forever with unlimited scenarios, Monte Carlo simulations, and professional export features.
Plan how much you need to retire and whether your current savings will get you there. This retirement calculator projects your corpus from current savings, monthly contributions, expected returns and retirement age, then checks it against the income you want after retirement, adjusted for inflation and life expectancy.
It supports 401(k)/IRA style planning for the US, pensions and ISAs in the UK, and EPF/NPS/PPF-based planning in India, and includes a Monte Carlo simulation that runs thousands of market scenarios to show the probability your money lasts.
A common rule is 25× your desired annual expenses at retirement (the 4% rule). If you need ₹1 lakh a month in today's money and retire in 25 years at 6% inflation, that is about ₹4.3 lakh a month then — roughly a ₹13 crore corpus.
Withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation, has historically lasted 30 years in most market scenarios. The Monte Carlo tab tests this for your own numbers.
Use 10–12% for equity-heavy portfolios before retirement and 6–8% for a conservative mix after retirement; always test a lower-return scenario.
It replays thousands of randomised return sequences to estimate the percentage of scenarios in which your savings last to your life expectancy — a more honest view than a single average return.
Yes — add any guaranteed monthly income (state pension, annuity, EPF pension) and the calculator reduces the corpus you need accordingly.