Retirement Calculator

Find out how big a retirement corpus you need in India, accounting for inflation before and during retirement, and how much to invest every month to get there.

Your details

Current age

Retirement age

Life expectancy

Current monthly expenses

Expected inflation (%)

Expected return before retirement (%)

Expected return during retirement (%)

Current retirement savings

Your retirement plan

Required monthly investment

12% p.a.

₹53,772

for 20 years until retirement

Required corpus at retirement

₹6.46 Crores

₹6,46,18,961

Monthly expenses at retirement

₹2.41 Lakhs

₹2,40,535

78%is returns

Invested₹1.4Cr

Returns₹5.1Cr

See the monthly payout this corpus would give you →

Corpus growth until retirement

Year-by-year accumulation

Year	Invested	Returns	Corpus
1	₹16,45,267	₹1,70,344	₹18,15,611
2	₹22,90,533	₹4,44,129	₹27,34,662
3	₹29,35,800	₹8,34,472	₹37,70,272
4	₹35,81,067	₹13,56,156	₹49,37,223
5	₹42,26,334	₹20,25,839	₹62,52,172
6	₹48,71,600	₹28,62,290	₹77,33,890
7	₹55,16,867	₹38,86,660	₹94,03,527
8	₹61,62,134	₹51,22,782	₹1,12,84,916
9	₹68,07,400	₹65,97,511	₹1,34,04,912
10	₹74,52,667	₹83,41,109	₹1,57,93,776
11	₹80,97,934	₹1,03,87,675	₹1,84,85,608
12	₹87,43,200	₹1,27,75,632	₹2,15,18,832
13	₹93,88,467	₹1,55,48,278	₹2,49,36,745
14	₹1,00,33,734	₹1,87,54,400	₹2,87,88,134
15	₹1,06,79,001	₹2,24,48,976	₹3,31,27,976
16	₹1,13,24,267	₹2,66,93,952	₹3,80,18,219
17	₹1,19,69,534	₹3,15,59,133	₹4,35,28,667
18	₹1,26,14,801	₹3,71,23,177	₹4,97,37,978
19	₹1,32,60,067	₹4,34,74,717	₹5,67,34,784
20	₹1,39,05,334	₹5,07,13,627	₹6,46,18,961

Frequently asked questions

Inflation doesn't stop on the day you retire. If your monthly expenses are ₹50,000 today, by the time you retire in, say, 30 years at 6% inflation, the same lifestyle could cost over ₹2,87,000 a month. And after you retire, those expenses keep rising every year for as long as you live, so your corpus has to grow faster than you withdraw from it, not just sit still. That's why we inflation-adjust your expenses both up to your retirement date, and every year after that until your life expectancy.

This is the SIP amount you'd need to invest every month, starting today and continuing until you retire, on top of any savings you already have, so that your total corpus grows to the "required corpus" figure by your retirement age. If you're already investing close to this amount, you're on track. If there's a big gap, you have time to close it: the earlier you start, the smaller the monthly amount needed, thanks to compounding.

While you're working, you can afford to take more risk with equity-heavy investments aiming for higher returns. After you retire, most people shift towards safer, more stable instruments (debt funds, FDs, SCSS, etc.) to protect their corpus from market swings, which typically means a lower expected return. That's why this calculator lets you set a separate, usually lower, return rate for your retirement years.

We first project your current monthly expenses forward to your retirement age using your expected inflation rate. Then we calculate how large a corpus you'd need at retirement so that withdrawals (which themselves keep growing with inflation every year) can be sustained from your retirement age until your life expectancy, assuming the remaining corpus earns your post-retirement return rate.

Yes, include any retirement-focused savings you already have, such as EPF, PPF, NPS, or other long-term investments earmarked for retirement, in the "current retirement savings" field. This gives the calculator a more accurate starting point and reduces the required monthly investment it suggests.

Popular scenarios

Age 30 / ₹50k/mo

₹21.86k/mo

Age 30 / ₹100k/mo

₹43.71k/mo

Age 25 / ₹50k/mo

₹15.89k/mo

Age 35 / ₹50k/mo

₹30.38k/mo

Age 40 / ₹75k/mo

₹64.67k/mo

Age 35 / ₹100k/mo

₹60.76k/mo

Related calculators

This calculator assumes you're 40 years old, retiring at 60 with a life expectancy of 85, and current monthly expenses of ₹75,000 that grow at 6% p.a. inflation. Your existing savings of ₹10,00,000 are assumed to grow at 12% p.a. until retirement, and your retirement corpus is assumed to grow at 7% p.a. while you withdraw inflation-adjusted monthly expenses from age 60 to 85. To reach the required corpus of ₹6,46,18,961, you'd need to invest ₹53,772 every month for the next 20 years. If you're aiming to retire earlier than usual, also see the FIRE Calculator.

Year

Invested

Split

Returns

Corpus

₹16,45,267

₹1,70,344

₹18,15,611

₹22,90,533

₹4,44,129

₹27,34,662

₹29,35,800

₹8,34,472

₹37,70,272

₹35,81,067

₹13,56,156

₹49,37,223

₹42,26,334

₹20,25,839

₹62,52,172

₹48,71,600

₹28,62,290

₹77,33,890

₹55,16,867

₹38,86,660

₹94,03,527

₹61,62,134

₹51,22,782

₹1,12,84,916

₹68,07,400

₹65,97,511

₹1,34,04,912

₹74,52,667

₹83,41,109

₹1,57,93,776

₹80,97,934

₹1,03,87,675

₹1,84,85,608

₹87,43,200

₹1,27,75,632

₹2,15,18,832

₹93,88,467

₹1,55,48,278

₹2,49,36,745

₹1,00,33,734

₹1,87,54,400

₹2,87,88,134

₹1,06,79,001

₹2,24,48,976

₹3,31,27,976

₹1,13,24,267

₹2,66,93,952

₹3,80,18,219

₹1,19,69,534

₹3,15,59,133

₹4,35,28,667

₹1,26,14,801

₹3,71,23,177

₹4,97,37,978

₹1,32,60,067

₹4,34,74,717

₹5,67,34,784

₹1,39,05,334

₹5,07,13,627

₹6,46,18,961

Retirement Calculator

Frequently asked questions

Why does inflation matter twice: before AND during retirement?

What does "required monthly investment" mean?

Why is the post-retirement return rate usually lower?

How is the required corpus calculated?

Should I include my EPF, PPF, and NPS balances as current savings?

Retirement Calculator

Frequently asked questions

Why does inflation matter twice: before AND during retirement?

What does "required monthly investment" mean?

Why is the post-retirement return rate usually lower?

How is the required corpus calculated?

Should I include my EPF, PPF, and NPS balances as current savings?