Long horizonRetirement

Retirement Calculator

Estimate retirement corpus needs, project your invested balance, and measure the shortfall using inflation, contribution step-up, and withdrawal-rate assumptions.

Income-based retirement targetCorpus shortfall analysisInflation-aware retirement income

Corpus and income assumptions

This model starts from the monthly retirement income you want, then checks whether your current plan gets you there.

Current age

Retirement age

Current savings

LKR

Monthly contribution

LKR

Expected annual return

Desired monthly retirement income

LKR

Advanced mode

Include inflation, contribution step-up, and a withdrawal-rate assumption for a more professional retirement estimate.

Time to retirement

30 years

The model compounds your current savings and all future contributions over this accumulation period.

Required corpus

LKR 75,000,000.00

Projected corpus

LKR 133,803,665.58

Corpus gap

LKR 58,803,665.58

Required monthly contribution

LKR 24,201.28

Total contributed

LKR 19,000,000.00

Total investment returns

LKR 114,803,665.58

Projection

Accumulation path to retirement

The reference line marks the retirement corpus needed to support the income target under the current withdrawal-rate assumption.

Checkpoints

Annual retirement plan checkpoints

Use the year-by-year view to see whether the plan remains on track after salary changes, market volatility, or revised income goals.

Year	Contributions	Returns	Projected corpus
1	LKR 1,600,000.00	LKR 138,227.13	LKR 1,738,227.13
2	LKR 2,200,000.00	LKR 353,756.28	LKR 2,553,756.28
3	LKR 2,800,000.00	LKR 654,681.99	LKR 3,454,681.99
4	LKR 3,400,000.00	LKR 1,049,946.40	LKR 4,449,946.40
5	LKR 4,000,000.00	LKR 1,549,427.99	LKR 5,549,427.99
6	LKR 4,600,000.00	LKR 2,164,039.68	LKR 6,764,039.68
7	LKR 5,200,000.00	LKR 2,905,837.08	LKR 8,105,837.08
8	LKR 5,800,000.00	LKR 3,788,138.20	LKR 9,588,138.20
9	LKR 6,400,000.00	LKR 4,825,655.62	LKR 11,225,655.62
10	LKR 7,000,000.00	LKR 6,034,642.51	LKR 13,034,642.51
11	LKR 7,600,000.00	LKR 7,433,053.97	LKR 15,033,053.97
12	LKR 8,200,000.00	LKR 9,040,725.22	LKR 17,240,725.22
13	LKR 8,800,000.00	LKR 10,879,568.50	LKR 19,679,568.50
14	LKR 9,400,000.00	LKR 12,973,790.54	LKR 22,373,790.54
15	LKR 10,000,000.00	LKR 15,350,132.84	LKR 25,350,132.84
16	LKR 10,600,000.00	LKR 18,038,137.07	LKR 28,638,137.07
17	LKR 11,200,000.00	LKR 21,070,438.30	LKR 32,270,438.30
18	LKR 11,800,000.00	LKR 24,483,088.94	LKR 36,283,088.94
19	LKR 12,400,000.00	LKR 28,315,916.54	LKR 40,715,916.54
20	LKR 13,000,000.00	LKR 32,612,919.11	LKR 45,612,919.11
21	LKR 13,600,000.00	LKR 37,422,701.85	LKR 51,022,701.85
22	LKR 14,200,000.00	LKR 42,798,959.53	LKR 56,998,959.53
23	LKR 14,800,000.00	LKR 48,801,009.48	LKR 63,601,009.48
24	LKR 15,400,000.00	LKR 55,494,380.33	LKR 70,894,380.33
25	LKR 16,000,000.00	LKR 62,951,462.42	LKR 78,951,462.42
26	LKR 16,600,000.00	LKR 71,252,226.28	LKR 87,852,226.28
27	LKR 17,200,000.00	LKR 80,485,016.44	LKR 97,685,016.44
28	LKR 17,800,000.00	LKR 90,747,428.21	LKR 108,547,428.21
29	LKR 18,400,000.00	LKR 102,147,276.44	LKR 120,547,276.44
30	LKR 19,000,000.00	LKR 114,803,665.58	LKR 133,803,665.58

Perspective

Retirement planning is an income problem, not just a savings problem

A better retirement plan starts with the income you want to support, then works backward to the corpus needed at retirement rather than stopping at an arbitrary savings number.

Inflation compounds against you before retirement and during retirement. That is why this model increases the target income to retirement age before converting it into a corpus requirement.

Advanced mode also exposes contribution growth and withdrawal rate assumptions, which are the levers that most strongly affect whether a plan is truly on track.

Read the glossary: portfolio

FAQ

Common questions

How is the retirement corpus requirement estimated?

The calculator first inflation-adjusts your desired monthly retirement income to the retirement date, converts it to annual spending, and then divides by your chosen withdrawal rate to estimate the corpus needed.

What is a withdrawal rate?

A withdrawal rate is the percentage of your retirement corpus you expect to draw each year. Lower withdrawal rates are more conservative because they assume you need a larger corpus to support the same income.

Can I include EPF or ETF balances?

Yes. Add any current retirement balances into current savings if you want them included in the projection. The goal is to estimate your total investable retirement pool, not only voluntary savings.

Keep the workflow moving

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