Retirement Calculator

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

Current age

years

Retirement age

years

Life expectancy

years

Current monthly expenses

₹

Inflation

% p.a.

Return before retirement

% p.a.

Return after retirement

% p.a.

Existing retirement savings

₹

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How to use the Retirement Calculator

Enter your age, planned retirement age and life expectancy.
Enter today's monthly household expenses and expected inflation.
Enter expected returns before and after retirement and what you have already saved.
Read the corpus needed and the monthly SIP to reach it.

Formula used

Expense at retirement E = Monthly expense × 12 × (1 + inflation)^{years to retire}

Corpus = E × [1 − (1 + g)⁻ⁿ] ÷ g × (1 + g), g = (1 + post-retirement return) ÷ (1 + inflation) − 1, n = retirement years

Monthly SIP = Shortfall ÷ [((1 + i)^m − 1) ÷ i × (1 + i)]

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Retirement Calculator — FAQs

How much money do I need to retire in India?▾

It depends on expenses, inflation and how long retirement lasts. At 6% inflation, ₹50,000 of monthly expenses today becomes about ₹2.9 lakh a month in 30 years, needing a corpus of several crores.

What is the 25x rule?▾

A simple rule says save 25 times your annual expenses at retirement, based on a 4% withdrawal rate. This calculator is more precise because it models inflation and returns year by year.

What returns should I assume?▾

Before retirement, a diversified equity-heavy portfolio is often modelled at 10–12%. After retirement, portfolios become safer, so 6–8% is more realistic.

How to use the Retirement Calculator

Formula used

Retirement Calculator — FAQs

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