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Retirement Calculator

Plan your retirement — know how much corpus you need and the SIP required to build it.

Your Profile

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Your Retirement Plan

Corpus Needed
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Monthly SIP Needed
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Future Mon. Expense
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Insight

You have 30 years to retirement. Invest ₹17,408/month to build ₹7,64,27,465 corpus that can sustain you for 25 years post-retirement.

Formula

Future Expense × 12 × [1 − (1+rr)^⁻ⁿ] / rr
Step-by-step
  1. 1. Project future monthly expense using inflation
  2. 2. Calculate corpus needed for life-expectancy years
  3. 3. Subtract future value of current savings
  4. 4. Calculate required monthly SIP

Frequently Asked Questions

What is the Retirement Calculator?

The Retirement Calculator is a free planning tool that helps you turn a few financial assumptions into an easy-to-read estimate. It is useful when you want to compare options before speaking with a lender, investor, tax professional, or other provider. The calculation is immediate, so you can change an amount, rate, or time period and see how the result responds.

Use the result as a starting point for a decision, not as a final quote or guarantee. Actual interest rates, tax treatment, market returns, fees, repayment schedules, and eligibility can differ from the assumptions used here. Keeping those limits in mind makes the calculator more useful: it helps you ask better questions and build a more realistic plan.

How to use this calculator

  1. Enter the amount, income, investment, or other starting value requested by the tool.
  2. Add a realistic rate and time period. For financial products, use the rate offered to you whenever possible.
  3. Review the estimated result and any breakdown, chart, or repayment information shown above.
  4. Try a conservative, expected, and higher-cost scenario to understand the range of possible outcomes.
  5. Save, print, or share the result only after checking every input carefully.

Formula used

This calculator uses the following method: Required corpus considers future expenses, inflation, return assumptions, and retirement years. Rates are normally converted to the period used in the calculation, such as a monthly rate for monthly payments. Rounding can make a displayed result differ slightly from a bank statement, mutual fund statement, or official tax computation.

Example calculation

A Rs. 50,000 monthly expense today can require a much larger monthly income at retirement because of inflation. This example is illustrative only. Change the fields above to match your own situation, then compare more than one scenario before acting on the estimate.

Benefits of using the Retirement Calculator

  • See an estimate in seconds without creating an account.
  • Understand how the key inputs influence the final result.
  • Compare different time periods, rates, and amounts before committing money.
  • Use a consistent calculation method while discussing options with a professional.

Frequently asked questions

How much do I need for retirement?

A common rule is 25-30x your annual expenses at retirement, adjusted for inflation.

When should I start saving?

As early as possible. Starting at 25 vs 35 can result in 2-3x more corpus due to compounding.