Retirement Calculator
How Much You Need to Retire Comfortably
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Retirement Calculator — The Number You Need to Know Before It Is Too Late
Most people avoid calculating their retirement corpus because they suspect the number will be uncomfortably large. It often is. But knowing it early is the only thing that gives you time to do something about it. This retirement calculator gives you an inflation-adjusted estimate of the corpus you need to retire at your target age, and the monthly SIP you would need to start today to get there.
Enter your current age, retirement age, current monthly expenses, expected inflation rate, the return you expect on your retirement corpus after you stop working, and your life expectancy. Every variable matters — and the calculator accounts for all of them.
Why Your Today’s Expenses Are Not the Right Number
People often make the mistake of planning retirement based on their current expenses. If you spend ₹50,000 per month today and retire in 25 years with 6 percent average inflation, those same expenses will cost ₹2.15 lakh per month at retirement. Planning for a corpus that supports ₹50,000 per month will leave you massively underfunded. This calculator inflates your current expenses to their retirement-day value before computing the corpus — which is the only accurate approach.
The Corpus Calculation — How Much Is Enough?
The retirement corpus must be large enough to sustain inflation-adjusted withdrawals for the rest of your life without running out. The calculator uses a real rate of return — the difference between your post-retirement investment return and inflation — to determine how large the corpus needs to be. A commonly used rule of thumb: your corpus should be at least 25 times your annual expenses at the time of retirement, assuming a 4 percent sustainable withdrawal rate.
Why Starting 10 Years Earlier Makes a Massive Difference
Compound interest rewards time more than it rewards the amount invested. A 25-year-old who needs ₹5 crore at 60 needs to invest roughly ₹14,500 per month at 12 percent return. A 35-year-old targeting the same corpus in 25 years needs about ₹40,000 per month. Starting a decade later nearly triples the monthly commitment. The retirement calculator makes this gap very visible, which is often the most powerful motivation to start immediately rather than waiting for the right time.
Post-Retirement Corpus Management
Accumulating the corpus is only half the challenge. After retirement, the corpus must be invested in a way that generates steady income while staying ahead of inflation. A combination of SWP from a balanced mutual fund, SCSS for guaranteed quarterly income, and a portion in liquid instruments for emergencies is a commonly recommended post-retirement allocation. The retirement calculator helps you plan the accumulation — the distribution strategy deserves equal attention.
Disclaimer: Retirement projections involve assumptions about inflation and investment returns. Actual outcomes will vary. Consult a certified financial planner for a comprehensive retirement plan.