Retirement Calculator India
Calculate how much you need to retire comfortably. Plan your retirement corpus with inflation adjustment.
About this calculator
How much do you need to retire? The honest answer depends on what you spend, how long you live and how fast prices rise. This calculator turns those into a corpus target and a monthly SIP you can start today.
It inflates your current expenses to the day you retire, then works out the lump sum that will fund those inflation-adjusted expenses for your retirement years while the remaining corpus keeps earning a return. It then subtracts what your current savings will grow into and gives the SIP needed to cover the gap.
How to use it
- Enter your Current Age and planned Retirement Age.
- Enter your Current Monthly Expenses in rupees.
- Set Expected Inflation, Expected Return on Investments and Life Expectancy.
- Enter your Current Savings earmarked for retirement.
- Press Calculate Retirement Plan and read the corpus and the monthly SIP.
How the plan is calculated
Expenses at retirement: E = current annual spend × (1 + inflation)years to retirement. The corpus needed funds an inflation-growing withdrawal, so it uses the real rate g = (return − inflation) ÷ (1 + inflation): Corpus = E × (1 − (1 + g)−N) ÷ g where N is the retirement years. The SIP is the monthly amount that grows to the shortfall after your savings compound.
Worked example
Age 30, retire at 60, spend ₹50,000 a month, 6% inflation, 10% return, life to 80
| Monthly spend at 60 | ₹2,87,175 |
| Corpus needed at 60 | ₹4,77,86,697 |
| Monthly SIP required | ₹21,140 |
₹50,000 a month today becomes about ₹2.87 lakh a month in 30 years. That is why a corpus of nearly ₹4.8 crore is needed even though today's spend looks modest.
Tips and common mistakes
- Plan to a life expectancy of at least 85. Outliving your money is the real risk.
- Be realistic about the return after retirement. Your portfolio will be more conservative than during your working years.
- Add a buffer for medical costs, which usually rise faster than general inflation.
- Revisit the plan every year or two. Small corrections early beat large catch-ups late.
- Use EPF, PPF and NPS balances as part of your savings figure.
Frequently asked questions
How much corpus do I need to retire?
It depends on your expenses at retirement, inflation, return and how long you need the money. A common rule of thumb is 25 times annual expenses, but the calculator personalises it.
Why is the target so large?
Inflation compounds. At 6% prices double roughly every 12 years, so expenses at retirement are far higher than today's.
What inflation should I use?
6% is a reasonable long-run assumption for India. Use a higher rate for medical expenses.
What return should I assume?
Use a conservative, blended figure. 10% suits an equity-heavy portfolio before retirement. After retirement, a lower rate is safer.
Does it include pension or rental income?
No. If you expect other income, reduce your expenses by that amount before you enter them.
Does it account for taxes?
No. Taxes on withdrawals and income reduce what you keep, so build in a margin.