Retirement Calculator

Find the corpus you'll need for a comfortable retirement — adjusted for inflation — and the monthly investment that gets you there.

🔒 Runs entirely in your browser — nothing is sent anywhere

Your details

Your age today, in years.

The age you plan to stop working.

What you spend each month today to maintain your lifestyle.

Long-run average. 6% is a common assumption for India.

The age your corpus should last until.

Everything already earmarked for retirement (EPF, PPF, mutual funds, etc.).

Expected annual return while you're still investing.

Expected annual return on your corpus once retired.

How this works

Retirement planning is really three questions: how much will life cost, how big a pot funds it, and how much to save each month.

1

Grow your expenses

We take today's monthly spending and inflate it to the year you retire. Even 6% inflation makes future costs far higher than they feel today.

2

Size the corpus

We calculate a lump sum large enough to fund an inflation-rising withdrawal every month, from retirement until your chosen life expectancy, while the balance keeps earning a modest return.

3

Fill the gap

We grow your current savings to retirement, subtract that from the target, and work out the steady monthly SIP needed to close whatever's left.

The assumptions we make

Expenses & corpus

  • Expenses grow with inflation right up to your life expectancy.
  • Corpus is the present value (at retirement) of every future monthly withdrawal.
  • Your money keeps earning your post-retirement return through your retired years.

Savings & SIP

  • Existing savings compound at your pre-retirement return until you retire.
  • The required SIP is a level amount invested at the start of every month.
  • Returns are assumed steady — real markets fluctuate year to year.

This is a planning estimate, not financial advice. It doesn't model taxes on withdrawals, one-off goals, medical emergencies, pensions or rental income. Keep a separate buffer for healthcare and contingencies, and revisit your plan as your income and goals change.

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Private by design. Every number stays on your device. Nothing you type is uploaded, stored or shared.

Frequently Asked Questions

How much retirement corpus do I actually need? ▼
There is no single magic number — it depends on your monthly expenses, how long you expect to live, and inflation. This tool grows your current monthly expense to what it will cost in the year you retire, then works out a lump sum big enough to fund an inflation-rising withdrawal every month for the rest of your life, assuming your money keeps earning a modest return after retirement. That inflation-adjusted approach is more realistic than a flat rule of thumb.
How is this different from the popular 4% rule? ▼
The 4% rule is a US-origin shortcut that says you can safely withdraw 4% of your corpus in year one and raise it with inflation. It roughly assumes a 25× annual-expenses corpus. This calculator does the full maths instead: it uses your own inflation and post-retirement return assumptions and your life expectancy, so it adapts to Indian conditions (where inflation has historically been higher). For long retirements or high inflation, you may well need more than 25× expenses.
Why does inflation matter so much? ▼
Inflation quietly doubles your cost of living roughly every 12 years at 6%. Something that costs ₹50,000 a month today could cost over ₹1,60,000 a month in 20 years. If you plan around today's expenses you will fall dramatically short. That is why this tool inflates your expenses to your retirement date and then keeps growing your monthly withdrawals through retirement.
What returns should I assume before and after retirement? ▼
Before retirement, when you can take more risk with a longer horizon, an equity-heavy portfolio has historically returned around 11–13% over long periods — 12% is a common planning assumption. After retirement you typically shift to safer, income-oriented assets, so a lower 6–8% is more prudent. These are assumptions, not guarantees; market returns vary, so revisit your plan every few years.
Does the required monthly investment stay the same every year? ▼
This calculator shows a level monthly SIP that, if invested every month until retirement at your pre-retirement return, exactly fills the gap between your target corpus and the future value of your current savings. In practice many people step up their SIP each year as income grows, which lets you start smaller. Treat the number here as a steady baseline; increasing it over time gives you a valuable safety margin.
What does this calculator leave out? ▼
It focuses on funding your living expenses. It does not separately account for one-off goals (a child's education or wedding, a home purchase), lump-sum medical emergencies, existing pensions or rental income, or taxes on your withdrawals and gains. Build a buffer for healthcare and contingencies on top of the corpus shown, and treat every figure as a planning estimate, not financial advice.

Free to use · works entirely in your browser · no account needed.

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