Your corpus is the money you need on the day you stop work. Type your age, the age you want to stop, what you spend a month and what you save. See the corpus in today’s money and in the money of the year you retire, and the monthly saving that builds it, with inflation, tax and 1,000 market paths counted. Any country, any currency.
Worked out in this browser. Nothing is sent anywhere unless you press the AI button.
State pension, Social Security, a work pension. Leave it at 0 if you have none.
Five numbers give the first answer. The full plan below them takes everything else.
Every rule the calculator uses, in plain words.
| Part | Rule |
|---|---|
| Spending | What you spend a month today, raised every year by your inflation rate. At 4% a year prices double in about 18 years. |
| Years | From the age you stop work to the end of the plan: 90 unless you change it. Plan past the average: many people live longer than it. |
| Returns | Shares and bonds above inflation, from the US record 1928–2025 (Aswath Damodaran, NYU Stern): the typical year for shares is about 6.9% above inflation, with 1,000 random paths around it, bad decades included. Fixed-rate savings earn their own rate, such as EPF at 8.25% and PPF at 7.1%. |
| Tax | One rate on withdrawals from taxed-later accounts and one on investment gains, set by you (10% each to start). |
| The corpus | The smallest savings at your stop-work age that last to the end of the plan in 8 of 10 market paths, shown in today’s money and in the money of the year you stop. |
| Monthly saving | What you save now plus the extra that lifts your plan to 8 in 10. It goes into your investments every month until you stop work. |
Why “8 in 10”: a plan that works in every market path means spending far less than you could, and one that works in half of them is a coin toss. The leading planning tools aim at about 80%, with 70% to 95% as a safe zone; the full planner shows your chance and that range.
Two made-up people, run through the calculator as it is today. Press “See a sample plan” above to open the one in your currency and check every number.
| Sam, 35, in dollars | Asha, 32, in rupees | |
|---|---|---|
| Stops work at; plans until | 62; 90 | 58; 88 |
| Spends a month today | $4,000 | ₹50,000 |
| The same spending at the stop-work age | $6,828 a month (prices 2% a year) | ₹1,38,623 a month (prices 4% a year) |
| Saves a month; saved so far | $1,000; $60,000 | ₹15,000; ₹6,00,000 |
| Corpus needed, today’s money | $1,070,000 | ₹1,37,00,000 |
| The same corpus in the money of the stop-work year | $1,830,000 | ₹3,80,00,000 |
| On course for (typical returns) | $846,000 | ₹1,09,00,000 |
| Short by | $224,000 | ₹28,00,000 |
| Monthly saving that builds the corpus | $1,459 ($1,000 now + $459 more) | ₹21,112 (₹15,000 now + ₹6,112 more) |
| Or, saving as now, stop work at | 66 | 62 |
Both are saving, and both are short: saving a little more each month, or stopping work a few years later, closes the gap. The corpus in the money of the stop-work year is much bigger than in today’s money only because prices rise in between; it buys the same life.
Enough that your spending, raised by inflation every year, is paid from the day you stop work to the end of the plan, after tax and in bad markets too. The calculator finds that sum for your own numbers. A common rule of thumb is 25 times a year of spending; a long retirement or high inflation usually needs more, and a pension means you need less.
Year by year: your savings grow, your spending rises with prices, a pension comes in, and withdrawals pay the rest with tax. The planner repeats that on 1,000 market paths and finds the savings at your stop-work age that get through 8 in 10 of them. It shows that figure in today's money and in the money of the year you stop.
Divide by 25 for a first answer: 1 crore supports about 4 lakh a year of spending (about 33,000 a month) at a 4% withdrawal rate, and 1 million dollars about 40,000 dollars a year. Whether that is enough depends on what you spend, from what age, and on inflation where you live: type your numbers and the calculator compares the corpus you need with what you will have.
The card under your corpus says it: what you save now plus the extra it takes for your money to last in 8 of 10 market paths. The planner assumes that saving goes into your investments (for example a SIP in mutual funds) every month until you stop work. If saving more is not possible, it also shows the later age that closes the gap.
Your own country's long-run figure. The page starts at the central bank's target for your currency (4% for India, 2% for the US, the UK and the euro area, 3% for the Philippines) and shows the latest figure next to the box. Higher inflation raises the corpus you need in the money of the year you retire, so try a higher rate too.
Yes, in the full plan: add them on the Savings and Income pages, where a helper per country fills in the usual rules. Fixed-rate accounts such as EPF and PPF earn their own rate, locked accounts wait for their age (EPF 58, a 401(k) 60 in the planner), and a pension such as EPS, Social Security or the State Pension lowers the corpus you need.
The 4% rule (Bengen, 1994) was set for 30-year US retirements, and Morningstar's 2026 research put a safe starting rate at 3.9% for 30 years. This calculator does not need one fixed rate: it takes what your plan needs each year and tests whether the money lasts. You can still pick the 4% rule, guardrails or a percent of savings on the Withdrawals page.
Only if you plan to sell it. Add the home on the Homes page with the age you sell and the sale turns into savings that year, after selling costs. A home you keep counts in your net worth but not in the corpus that pays your spending.
The plan is worked out in your browser and kept in this browser, with a delete button, or in a file you download. Only the Explain my plan button sends the plan's numbers, without names, and the page says so next to it. What you send to the AI is saved to ClapAssist so our tools can fill it in for you next time; see or delete it at clapassist.com/my-data/.
No. It is a calculator that shows what your own numbers and assumptions lead to. Taxes are a simple rate you set, not your country's tax rules. For decisions about products, tax or pensions, talk to a licensed adviser in your country.
ClapAssist is a Mac and Windows app that listens to your interview call and shows you what to say, including when they ask about pay. It stays out of screen share on every plan; only you can see it.
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