Retirement Calculators

A commonly cited starting point is 3.5-4% of your corpus per year, meant to let a retirement portfolio last 25-30+ years without running out. The FIRE and Retirement Corpus calculators let you adjust this rate to see how it changes the corpus you'd need.

Both size a corpus against future expenses, but FIRE is built around retiring as early as your savings rate allows, often well before a conventional retirement age. The Retirement Corpus Calculator instead assumes a specific, chosen retirement age.

Most standard annuity products pay a fixed monthly amount for the payout period, with no automatic inflation adjustment, so a fixed payout that feels comfortable at the start can lose real purchasing power years into the payout term.

A pension is typically an employer or government-provided retirement benefit, often based on your salary and years of service. An annuity is a financial product you purchase (often with a retirement corpus) in exchange for a guaranteed payout stream. The mechanics of the payout can look similar, but how you become entitled to each is different.

A common starting assumption is 70-80% of your pre-retirement monthly expenses, since some costs (commuting, work-related spending) typically fall while others (healthcare) can rise. The Retirement Corpus Calculator lets you set your own assumption rather than relying on this rule of thumb.

Only if you actually plan to downsize, sell, or otherwise convert it into spendable income. A home you intend to keep living in isn't generating cash flow to fund your retirement expenses, even though it's a real asset.