Retirement Calculator
Key takeaways
- At 6% inflation, today’s ₹50,000 a month becomes ₹1.60 L by 60; drawing 4% of the corpus a year puts the target at ₹4.81 Cr.
- Getting there from 40 takes ₹81,132 a month for 240 months — ₹1.95 Cr of deposits; growth supplies the other ₹2.86 Cr.
- Retiring at 65 instead, the target becomes ₹6.44 Cr (5 more inflation years) and the required investment ₹67,245 a month (300 contribution months).
- Drawing the expense as it rises with inflation, a corpus earning 8% a year still holds ₹8.19 Cr after the year at age 85.
Year-by-year projection
Your corpus growing at the expected return while you withdraw the inflating annual expense.
| Age | Annual expense | Returns | Corpus end | Monthly |
|---|---|---|---|---|
| 60 | ₹19.24 L | ₹38.49 L | ₹5.00 Cr | ₹1.60 L |
| 61 | ₹20.40 L | ₹40.03 L | ₹5.20 Cr | ₹1.70 L |
| 62 | ₹21.62 L | ₹41.60 L | ₹5.40 Cr | ₹1.80 L |
| 63 | ₹22.92 L | ₹43.19 L | ₹5.60 Cr | ₹1.91 L |
| 64 | ₹24.29 L | ₹44.82 L | ₹5.81 Cr | ₹2.02 L |
| 65 | ₹25.75 L | ₹46.46 L | ₹6.01 Cr | ₹2.15 L |
About the Retirement Calculator
A retirement calculator works out two things: the corpus you will need to maintain today's lifestyle after retirement (adjusted for inflation), and the monthly investment required to build that corpus by the time you retire.
Enter your current monthly expenses, years to retirement, what you have already saved for retirement, expected inflation and investment return, and it estimates both the target corpus and the monthly SIP to reach it.
Frequently asked questions
How is the retirement corpus calculated?
It inflates your current annual expenses to their value at retirement, then divides by a safe withdrawal rate to find the corpus that can sustain them. The monthly investment is the SIP needed to build that corpus at your expected return.
Why does inflation matter so much for retirement?
Because prices keep rising, the same lifestyle costs far more decades from now. At 6% inflation, expenses roughly double every 12 years — so a corpus that ignores inflation will fall badly short.
What is a safe withdrawal rate?
It is the percentage of your corpus you withdraw each year in retirement without exhausting it too soon. A commonly cited figure is around 4%, but the right rate depends on your return, longevity and spending.
How much does starting earlier change the monthly amount?
Each contribution compounds for as long as it stays invested, so the same target corpus needs a smaller monthly figure the longer the horizon is. Run the calculator at two different "years to retirement" values with everything else held fixed, and the difference between the two monthly amounts is the whole effect.
Does this calculator account for my existing savings?
Yes. Enter them as "Retirement savings so far". They grow at the expected return until you retire, and the monthly investment builds only the rest of the corpus. If your savings reach the corpus on their own, the monthly figure is ₹0.
Disclaimer: This calculator is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Where a rate of return, inflation or growth is an input, it is an assumption: actual returns vary and are not guaranteed, and past performance may or may not be sustained in future. It does not take your personal circumstances into account. Actual returns and inflation move unevenly from year to year, which changes how long a corpus lasts. Every figure is computed solely by applying the formula and assumptions stated on this page to the inputs you entered.