Retirement corpus calculator

It depends on the monthly income you want in retirement, how many years away that is, and how much inflation erodes it in the meantime. This calculator inflates your desired monthly income to the rupees you will actually need at retirement, then sizes a corpus large enough that the real (inflation-adjusted) return on your investments can sustain that income indefinitely.

There is no single correct number, it is a personal assumption based on how your savings will be invested. A mix of NEPSE equities, mutual funds, deposits and bonds has historically returned somewhere in the high single digits to mid-teens over the long run in Nepal, but returns are never guaranteed and vary year to year. Treat the return field as an adjustable estimate and test a few scenarios rather than trusting one number.

Yes, in two places. First, your desired monthly income (entered in today's rupees) is inflated forward to what it will cost in the year you retire. Second, the corpus itself is sized using the real return, your investment return net of inflation, so the withdrawal it supports keeps pace with rising prices after you retire, not just in nominal terms.

A shorter runway to retirement means less time for compounding, so the required monthly saving rises accordingly, the calculator will show this directly as a higher monthly figure. Entering any current savings you already have reduces the shortfall the monthly saving needs to cover. Starting later is not fatal, it usually just means saving a larger share of income or adjusting the retirement age or desired income.

Because it is meant to fund potentially decades of retirement, not just the first year. The corpus is sized so its real (inflation-beating) return alone can cover your monthly income indefinitely, rather than being drawn down to zero on a fixed schedule, this is the same logic behind the widely cited 4% safe-withdrawal rule, where a sustainable annual withdrawal is roughly the reciprocal of a 25x-expenses corpus.