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Retirement Calculator

How much is enough to retire? Enter your expenses today and a few assumptions to see the corpus you would need and the monthly investment to build it.

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Corpus you need —
Invest each month until then —
Your annual expenses at retirement —

Estimates only. Actual returns may differ. Taxes, charges and changing rates can affect the outcome.

Retirement is the one goal you cannot redo. Get a second pair of eyes on it. Talk to an advisor

What is Retirement?

Retirement planning is really two questions: how much will you spend once you stop earning, and how big a pot funds that for the rest of your life. Inflation makes the first number bigger than it looks today.

This calculator grows your current expenses to retirement, works out the corpus that can sustain them, and shows the monthly SIP to build that corpus in time.

How it's calculated

It inflates your current expenses to your retirement age, then finds the corpus whose inflation-adjusted withdrawals last through retirement using a real-return annuity. Finally it solves for the monthly SIP that reaches that corpus at your pre-retirement return.

An example

A 30-year-old spending ₹50,000 a month, retiring at 60 with 6% inflation, could need a corpus in the range of a few crore, and starting early makes the monthly amount far smaller than starting late.

Questions people ask

Why is the corpus so large?

Inflation. Expenses of ₹50,000 a month today can be several times that in 30 years, and the corpus has to cover 20-25 retired years of it. Starting early is the biggest lever you have.

What returns should I assume after retirement?

Usually lower than before, a retired portfolio leans safer. A gap of a few percent over inflation is a reasonable starting assumption, but talk it through with an advisor.

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