Retirement Calculator
See how much you need to retire comfortably — and how much to invest each month to get there.
- Free
- No sign-up
- Runs in your browser
Your details
Expected returns
Corpus needed at age 60
₹7,71,48,478
₹7.71 Crore — enough to pay ₹2,87,175 a month (today’s ₹50,000 after 30 years of 6% inflation), rising each year until age 85.
Invest every month until you retire
₹20,178
for 30 years at 12% a year, on top of your existing savings.
- Monthly expenses at retirement
- ₹2,87,175
- Existing savings grow to
- ₹1,49,79,961
- Shortfall to build
- ₹6,21,68,517
- Total you will invest
- ₹72,64,155
- Years to retirement
- 30
- Years in retirement
- 25
Waiting 5 years to start would raise the monthly investment to ₹36,522 — 1.8× as much.
Your retirement money over time
- Building up (age 30–60)
- Drawing down (age 60–85)
Amounts are in future rupees, not today’s value. The balance peaks at retirement and is spent down to about zero by age 85.
How the retirement calculation works
First, your current monthly expenses are grown by inflation until the day you retire — that is what the same lifestyle will cost then. Next, the planner works out the lump sum (the corpus) you need on retirement day so that you can withdraw a year’s expenses at the start of every year, raise the withdrawal with inflation each year, and keep the rest invested at your post-retirement return until the money runs out at your chosen age.
Your existing savings are grown at the pre-retirement return. Whatever is still missing is the shortfall, and the planner finds the fixed monthly investment (like a SIP, invested at the start of each month) that grows to exactly that amount by retirement.
Example: you are 30, spend ₹50,000 a month, want to retire at 60 and plan until 85. With 6% inflation, that lifestyle costs ₹2,87,175 a month at 60. Earning 7% after retirement, you need a corpus of about ₹7.71 crore. Your ₹5 lakh of savings grows to ₹1.50 crore at 12% a year, so the remaining ₹6.22 crore needs a monthly investment of about ₹20,178 for 30 years.
How much is enough to retire?
A quick rule of thumb is 25 to 30 times your first year’s expenses in retirement. In the example above the corpus is about 22 times the first year’s spending, because money is assumed to earn 7% while prices rise 6%. If you expect lower returns or a longer retirement, the multiple goes up — try lowering the post-retirement return to see how sensitive the answer is.
Why the corpus looks so large
The corpus is in future money. At 6% inflation prices roughly double every 12 years, so ₹7.71 crore in 30 years buys about what ₹1.34 crore buys today. The earlier you start, the more of the target is reached by compounding rather than by your own deposits.
Frequently asked questions
- Should I include my EPF, PPF or NPS balance?
- Yes — add today’s balance to existing savings. Your future monthly contributions to them count towards the monthly investment the planner suggests.
- I will get a pension. How do I account for it?
- Subtract the monthly pension (in today’s terms) from your monthly expenses. The corpus then only has to cover the gap.
- What return should I assume after retirement?
- Something close to what a conservative mix of debt and some equity can earn — usually 1–2 percentage points above inflation. Using a return lower than inflation makes the corpus larger than the years × expenses.
- Does the plan include taxes?
- No. Returns are treated as after-tax. If your investments are taxed, enter a slightly lower return to stay on the safe side.
This is a planning estimate, not financial advice. Returns and inflation will vary from year to year; review your plan regularly.