Retirement Calculator
Estimate the retirement corpus you'll need to sustain today's expenses through retirement, and the monthly SIP required to reach it.
- Future Value of Current Savings₹1.50 Cr19.6%
- Additional Corpus Needed₹6.14 Cr80.4%
How This Calculator Works
We project your current monthly expense forward to your retirement age using your inflation assumption, then estimate the corpus required to sustain that inflation-adjusted spending through your expected years in retirement — using the "real rate of return" your corpus would earn after retirement, net of inflation. Finally, we calculate the monthly SIP needed to close the gap between that target and the future value of your existing savings.
Key Assumptions
- Inflation and returns are assumed constant for simplicity — actual markets fluctuate year to year.
- Withdrawals during retirement are assumed to grow with inflation to maintain your lifestyle.
- This estimate excludes pension, EPF or NPS payouts — factor those in separately if applicable.
Frequently Asked Questions
How is my required retirement corpus calculated?
We project your current monthly expense forward to your retirement age using your inflation assumption, then calculate the corpus needed to sustain that inflation-adjusted spending for your expected years in retirement, using your post-retirement return assumption.
What is a realistic inflation assumption for India?
Long-term consumer price inflation in India has historically averaged around 5-7%. Many planners use 6% as a reasonable default, but you should adjust this based on your own view and lifestyle expenses.
Why does the pre and post-retirement return differ?
Before retirement, portfolios are often invested more aggressively (higher equity allocation) for growth. After retirement, portfolios typically shift toward more conservative, income-generating assets to preserve capital — resulting in a lower expected return.
Does this calculator account for pension or NPS?
No — this calculator focuses on the corpus you need to build through personal savings and investments. If you expect pension, EPF or NPS payouts, you can factor them in by increasing your "Current Savings" input or by adjusting your target corpus manually.
What if I already have significant retirement savings?
Enter your current savings in the calculator — it will project their growth until retirement and reduce the additional SIP required to reach your target corpus accordingly.