Retirement Calculator
Estimate the corpus you'll need at retirement, and the monthly SIP required to reach it.
- Invested
- ₹73.74L
- Est. gain
- ₹6.49Cr
Assumes 12% returns while accumulating, 7% returns and 6% expense inflation during retirement. The drawdown is shown in retirement-day rupees (inflation-adjusted), so it peaks at the corpus you actually reach and runs down from there rather than ballooning in nominal terms.
Independent · No commissions · No fund-house data — how the numbers are computed
How it works
This calculator estimates the corpus you would need on the day you retire, starting from a single anchor: what you spend per month today. It inflates that expense to your retirement age, then sizes a corpus that can pay the inflated expense — itself rising every year through retirement — until your assumed life expectancy, while the unspent balance keeps earning a post-retirement return. Finally, it converts that corpus into the monthly SIP required to build it from here.
The defaults are a 30-year-old retiring at 60 with a life expectancy of 85, spending ₹50,000 a month today, assuming 6% inflation, 12% p.a. returns before retirement and 7% p.a. after. Anything you have already invested is grown to retirement at the pre-retirement rate first, so the required SIP only has to fund the gap, not the whole corpus.
The three headline numbers answer three questions. "Expense at retirement" shows what today's lifestyle will cost in future rupees. "Required corpus" is the pot that sustains it for your full retirement. "Required monthly SIP" translates the goal into a monthly action. All three move together: retiring five years later shortens the drawdown and lengthens the compounding, which usually shrinks the SIP substantially.
The result is a planning estimate under constant rates, not a promise. It assumes your expenses scale with one inflation rate, that returns arrive smoothly, and that the SIP stays fixed rather than growing with your income. Real plans get revisited: a small change in the inflation or return assumption compounds into a large change in the required corpus over 30 years.
Frequently asked questions
How is the retirement corpus calculated?
A retirement corpus is sized so it can pay your inflated monthly expense from retirement age to life expectancy, with each year's expense rising at the inflation rate while the remaining balance earns the post-retirement return. This calculator first inflates today's monthly expense to the retirement date, then discounts the whole stream of future withdrawals back to one number — the corpus that exactly funds it under the chosen assumptions.
What inflation rate should I assume for India?
India's consumer price inflation averaged roughly 5% a year over the decade to 2025, and the RBI's mandate targets 4% CPI inflation within a 2–6% tolerance band. This calculator defaults to 6% — the conservative end of that band — because retirement planning spans decades and personal expense baskets (education, healthcare, rent) often inflate faster than the headline index. The rate is an assumption you can change, not a forecast.
Why is the post-retirement return assumption lower than the pre-retirement one?
Before retirement, a portfolio can ride out equity drawdowns because nothing is being withdrawn, so the calculator defaults to 12% p.a. During retirement, withdrawals are continuous, and a market crash early in the drawdown does permanent damage — so retirees typically hold more debt and hybrid assets, which earn less. The calculator's post-retirement default is 7% p.a. to reflect that safer mix.
Does the calculator account for money I have already invested?
Yes. Any amount entered as current investment is compounded at the pre-retirement return until retirement age and subtracted from the required corpus before the SIP is sized. The required monthly SIP therefore funds only the shortfall. If the existing corpus alone grows to cover the full requirement under the chosen assumptions, the calculator reports a required SIP of zero.
How much corpus does a ₹50,000 monthly expense need at the default assumptions?
At this calculator's defaults — retiring at 60 with a life expectancy of 85, 6% inflation, and 7% post-retirement returns — a ₹50,000 monthly expense today inflates to roughly ₹2.87 lakh a month by age 60 for someone who is 30 now, and the corpus must fund 25 years of such inflation-linked withdrawals. The exact figure depends on every assumption, which is why the calculator recomputes it live rather than quoting a universal multiple of income.
Go further
The forward version: simulate the SIP build-up and the drawdown in one plan.
See what today's expenses will cost by your retirement date.
A SIP that grows with your salary reaches the required corpus with a smaller start.
How to turn a retirement number into an asset allocation and a plan.
The risk averaged-return math hides: bad years early in retirement hurt most.