Retirement Calculator
Plan how much you need to save for a comfortable retirement.
Plan Your Retirement
Your Retirement Plan
Retirement corpus needed—
Years until retirement—
Monthly savings required—
Total you will save—
How retirement planning works
This calculator estimates how much you need at retirement and how much to save monthly to reach that goal.
Steps:
1. Calculate future monthly expenses (adjusted for inflation)
2. Calculate corpus needed (expenses × months in retirement)
3. Adjust for investment growth during retirement
4. Calculate monthly savings needed to reach corpus
1. Calculate future monthly expenses (adjusted for inflation)
2. Calculate corpus needed (expenses × months in retirement)
3. Adjust for investment growth during retirement
4. Calculate monthly savings needed to reach corpus
FAQs
How much do I need for retirement?
A common rule is 25-30 times your annual expenses. For NPR 50,000/month expenses, you need NPR 1.5-1.8 crore.
When should I start saving for retirement?
As early as possible! Starting at 25 vs 35 can mean saving half as much due to compound interest.
What investment return is realistic?
Conservative: 6-8%, Moderate: 8-12%, Aggressive: 12-15%. Adjust as you near retirement (lower risk).
What about social security in Nepal?
Nepal has limited social security (SSF covers formal sector). Don't rely solely on it – save independently.
Can I retire early?
Yes, but you'll need to save more aggressively. The FIRE movement suggests saving 50-70% of income.