Estimate the retirement corpus you'll need, based on your current expenses, inflation, and expected investment returns, plus the monthly SIP required to reach that goal.
How to Use the Retirement Calculator
Enter your "Current Age", planned "Retirement Age", and expected "Life Expectancy".
Enter your "Current Monthly Expenses" and the "Expected Inflation (%)" rate.
Enter any "Current Savings/Investments (₹)" already earmarked for retirement.
Enter your "Expected Return Before Retirement (%)" and "Expected Return After Retirement (%)".
Click "Calculate" to see your required retirement corpus and the monthly SIP needed to reach it.
Frequently Asked Questions
First, your current monthly expenses are inflated to their value at your retirement age. Then, the calculator finds the corpus needed to sustain that (inflation-adjusted) monthly withdrawal for your years in retirement, using the "real rate of return" (post-retirement return adjusted for continuing inflation) as the discount rate.
Your current savings are first projected forward to retirement age using your pre-retirement return rate. If that projected value falls short of your required corpus, the shortfall is converted into a monthly SIP amount needed between now and retirement, assuming the same pre-retirement return rate.
Before retirement, your portfolio can usually take more risk for higher growth (e.g. more equity). After retirement, most people shift to safer, lower-return investments to protect their capital while still generating a stable withdrawal income - so the calculator lets you set both rates independently.
Yes, it's completely free and requires no sign-up.