The Retirement Calculator projects the retirement corpus you'll accumulate based on your current savings, monthly contributions, expected investment return and years until retirement, then estimates the monthly income that corpus could sustainably provide.
A common reference point in retirement planning is the "4% rule" — the idea that withdrawing about 4% of your retirement corpus annually has historically had a good chance of lasting 30+ years without running out, though this is a general guideline based on historical market data, not a guarantee, and actual safe withdrawal rates depend on market conditions, inflation and how long retirement lasts.
How accurate are long-term retirement projections?
Projections over 20-30+ years are estimates based on assumed average returns — actual investment returns vary year to year and rarely match a smooth average, so treat the projected corpus as a planning estimate to revisit periodically, not a guaranteed outcome.
Is this financial advice on how much I should save?
No — this tool is a planning calculator to help you visualize how savings, contributions and time affect a projected retirement corpus. It isn't personalized financial advice; for decisions specific to your situation, consider speaking with a licensed financial advisor.
Is my data safe when I use Retirement Calculator?
Most AIVEXA tools run entirely in your browser (client-side), which means your files and inputs are processed on your own device and are not uploaded to a server.
Can I use Retirement Calculator on mobile, and is it free?
Yes — it works on any modern browser (desktop, Android or iOS) without installing an app, and it's free to use with no signup or watermark.