How this works
This projects your retirement corpus from monthly savings compounding until retirement age, then checks whether that corpus can sustain your expected post-retirement monthly expenses for the years after — using a fixed 7.5% assumed post-retirement return and a 25-year retirement horizon as defaults.
Common questions
Why is the post-retirement return fixed at 7.5%?
It's a conservative default assumption — money in retirement is usually shifted to safer, lower-return instruments than pre-retirement growth investing, since capital preservation matters more once you're drawing it down rather than adding to it.
What if I expect to live more or less than 25 years post-retirement?
The calculator uses 25 years as a planning default; if your health, family history or retirement age suggest a meaningfully different horizon, treat the corpus-needed figure as approximate and lean toward overestimating rather than under.