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Retirement Calculator

Find out how much you need to retire comfortably, and how much to invest every month to get there.

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Corpus needed at retirement
₹7,71,48,478
Monthly SIP needed from now
₹23,215
Monthly expenses at retirement
₹2,87,175
Current savings will grow to
₹1,14,46,148

How the corpus is calculated

  1. Today's monthly expenses are inflated to your retirement age.
  2. The corpus must fund those expenses, rising with inflation every year, until your planning age, while the remaining money earns the post-retirement return.
  3. Your existing savings are grown to retirement, and the monthly SIP covers the gap.

Example

At 30, spending ₹50,000 a month today with 6% inflation, that becomes about ₹2.9 lakh a month at 60. Funding that to 85 with a 7% post-retirement return needs a corpus of several crores. Try your own numbers above; small changes in inflation make a big difference.

Ways to close the gap

  • Start early. Every 5 years of delay sharply increases the monthly SIP needed.
  • Step up your SIP each year with your salary.
  • Count EPF, PPF and NPS balances in "savings so far".

Frequently asked questions

What inflation rate should I use?

Many planners use 6–7% for household expenses in India. Healthcare costs often rise faster.

Why a lower return after retirement?

Retirees usually move money to safer, lower-return options to protect capital and income.

Is this financial advice?

No. It is a planning estimate. Speak to a SEBI-registered investment adviser for personal advice.

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