HaatBeat Calculators

Retirement savings calculator

Explore a savings and spending scenario from now through a chosen retirement period.

Also known as: Pension savings projection.

ReviewedAny currency

Timeline

years
Whole years, from 18 to 100.
years
Must be later than your current age.
years
The age through which to test the spending scenario.

Savings and returns

₹
Savings you want to include in this scenario.
₹
Added at the start of each month until retirement.
% a year
An assumption, not a forecast. Negative values are allowed.
% a year
An assumption for the withdrawal period.

Spending

% a year
Used to raise the chosen spending amount over time.
₹
The amount you choose; the calculator increases it with your inflation assumption.
Estimated savings at retirement
₹1,02,77,127.04
First shortfall in retirement month 114

Estimated savings at retirement: ₹1,02,77,127.04. The first monthly withdrawal would be ₹90,568.08. The chosen spending is fully funded for 113 months; the first shortfall is in retirement month 114.

First monthly withdrawal
₹90,568.08
Full withdrawals funded
113 months
First shortfall
Month 114
This is one scenario under constant rates. Returns, inflation, fees and taxes can differ. No pension benefit is included.

Balance by year

AgePhaseAddedWithdrawnBalance
36Saving₹1,20,000.00—₹11,63,373.59
37Saving₹1,20,000.00—₹13,33,403.27
38Saving₹1,20,000.00—₹15,10,360.22
39Saving₹1,20,000.00—₹16,94,526.67
40Saving₹1,20,000.00—₹18,86,196.34
41Saving₹1,20,000.00—₹20,85,674.94
42Saving₹1,20,000.00—₹22,93,280.59
43Saving₹1,20,000.00—₹25,09,344.43
44Saving₹1,20,000.00—₹27,34,211.04
45Saving₹1,20,000.00—₹29,68,239.06
46Saving₹1,20,000.00—₹32,11,801.74
47Saving₹1,20,000.00—₹34,65,287.54

How it's calculated

Before retirement: B = (B + S) × (1 + r₁) During retirement: B = (B − W) × (1 + r₂)

S is the monthly saving, added at the start of each month. W is a start-of-month withdrawal that rises with the inflation assumption. The two monthly return rates are the chosen annual rates divided by 12.

Assumptions

  • Returns and inflation stay constant for the whole scenario. Actual values change over time and can differ greatly.
  • Monthly savings and withdrawals occur at the start of each month. A month with insufficient balance is the first shortfall.
  • Taxes, fees, government benefits and employer pension rules are not included.

Worked example

With a one-year saving period, an existing balance of 12,000 and 100 added each month grows to 13,200 at a zero return. A further year of 1,000 monthly withdrawals leaves 1,200 when inflation and returns are zero.

Questions

Does the result predict when my savings will run out?

No. It is one path under the rates and spending you choose. Actual returns and inflation vary, and their order matters.

Why does spending increase during retirement?

The model applies your inflation assumption to the amount entered in today’s money, then increases withdrawals each month.

Are government or employer pensions included?

No. This page models personal savings only. Pension benefits, taxes and local rules need separate reviewed calculations.

How is this different from SIP or SWP?

It combines a saving period and a withdrawal period, with spending adjusted using an inflation assumption. The separate calculators focus on one period each.

Sources

Last reviewed 1 October 2026 by Sachin. How we check calculators.