Plan your retirement with inflation-adjusted projections. See your future corpus, what it is worth in today's money, and how much you must save each month to reach your goal.
Projected retirement corpus
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Projections use monthly compounding. Returns are not guaranteed — markets fluctuate. Inflation erodes purchasing power, so the "today's money" figure matters more than the nominal corpus. This is an educational estimate, not financial advice.
Compounding rewards early starters. Money invested at age 25 has 35 years to grow before retirement at 60; money invested at 45 has only 15. At a 10% annual return, 10,000 saved monthly from age 25 grows to roughly 38 million by 60 — starting at 45, the same monthly saving reaches only about 8 million.
The 4% rule
A popular guideline says you need about 25 times your annual expenses saved to retire safely, because withdrawing 4% per year lets the corpus last ~30 years. If you spend 1.2 million a year, aim for roughly 30 million — then adjust upward for inflation.
Don't ignore inflation
At 6% inflation, prices double every ~12 years. A 50 million corpus in 30 years buys what about 8.7 million buys today. Always plan in today's money — that is what Goal mode above uses.
Frequently asked questions
How much money do I need to retire?
Use the 4% rule: about 25× your annual expenses. Switch to Goal mode above, enter your target in today's money, and see the monthly saving required.
What is a good monthly saving for retirement?
Many planners suggest 15–20% of income. The earlier you start, the less you need to save each month thanks to compounding.
How does inflation affect retirement planning?
Inflation shrinks what your money buys. This calculator shows your corpus both as a nominal figure and discounted to today's purchasing power — plan around the second number.
Is this retirement planner free?
Yes. It is 100% free with no signup required.
How do I work backwards from a retirement target?
Set the target (annual retirement spending × 25), then solve for the monthly contribution: PMT = target × monthly return ÷ ((1 + monthly return)months − 1). The planner runs this for you — enter your target and timeline and it shows the monthly amount required.
I am starting retirement saving in my 40s or 50s. Is it too late?
No, but the math gets demanding: with fewer compounding years, the monthly amount rises steeply. Your best levers are a higher savings rate, investing salary raises instead of spending them, and delaying retirement by even 2–3 years — those final years of contributions and growth are disproportionately powerful.
How often should I review my retirement plan?
Once a year, plus after any big life event — marriage, children, a new job, or a move. Check three things: is the target still right, are contributions on track, and does the investment mix still match your age. A 15-minute annual review prevents decade-scale surprises.
How to build your retirement plan backwards
A calculator shows what your savings become; a planner works backwards from what you need. The planning method has four steps: 1. estimate your annual spending in retirement; 2. multiply by 25 (the 4% rule) to get your target; 3. solve for the monthly contribution that reaches it; 4. close any gap by saving more, earning more, or retiring later.
The formula, with every variable defined
PMT = FV × r ÷ ((1 + r)n − 1), where PMT = required monthly contribution; FV = your retirement target; r = monthly return (annual ÷ 12); n = months until retirement. This is the annuity formula rearranged to solve for the payment instead of the total.
Worked example
You want SAR 3,000,000 in 25 years (n = 300) and assume 7% annual returns, so r = 0.005833. (1.005833)300 ≈ 5.725. PMT = 3,000,000 × 0.005833 ÷ (5.725 − 1) = 17,500 ÷ 4.725 ≈ SAR 3,704 per month. Now the gap analysis: if you can only save SAR 2,500, you reach about SAR 2.03 million — short by SAR 970,000. Your levers: raise contributions 3% yearly as salary grows (a “step-up” plan closes most gaps), delay retirement by 3 years, or trim the target spending by ~SAR 3,200 a month.
Practical tips and limits
Automate the contribution on payday — money you never see is money you never miss. Review the plan yearly and after big life events (marriage, children, job changes), because the target moves as spending changes. And respect the plan's limits: it assumes steady average returns, but real markets crash; keep 3–6 months of expenses in cash outside the plan so a market drop never forces you to sell retirement investments early.
Planning the withdrawal phase too
Most planners stop at “reach the target,” but the decades after retirement need a plan as well. The classic approach is the bucket strategy: keep 1–2 years of spending in cash, 3–5 years in stable bonds or sukuk, and the rest in growth assets. In a market crash you spend from the cash bucket instead of selling investments at the bottom, then refill it when markets recover. Pair this with the 4% withdrawal guideline and annual rebalancing, and your plan covers both halves of retirement — building the pile and spending it without running dry. Revisit the withdrawal rate every few years; flexibility beats rigidity when markets misbehave.