Retirement Planning Calculator
Ever wondered if you're saving enough for retirement? This calculator helps you plan it in two steps — it shows how large a corpus you'll need to maintain your lifestyle after you stop working, and how much you need to invest every month to get there. Start early, and the numbers will be on your side.
Your Retirement Parameters
₹12,893
Monthly SIP Needed
₹4,55,10,864
Retirement Corpus Required
₹46,41,448
Total You Will Invest
₹4,08,69,416
Estimated Gains
Corpus Growth Over Time
Returns shown are estimated projections. Actual returns may vary. Mutual fund investments are subject to market risks. Past performance is not indicative of future results.
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Our experts will build a personalised retirement roadmap for you.
Retirement Tips
- →Starting at 25 vs 35 can make a 3x difference in your final corpus
- →Factor in inflation — ₹50K today ≈ ₹1.6L in 30 years at 6% inflation
- →Diversify: equity for growth in early years, shift to debt as you near retirement
- →Review and rebalance your portfolio every 3–5 years
- →Step-up your SIP by 10–15% each year to beat lifestyle inflation
How retirement planning works
Retirement planning answers two connected questions. This calculator solves both in one go.
Step 1 — How much corpus do you need?
The target corpus is the lump sum that, on retirement day, can generate enough monthly income to sustain your lifestyle — adjusted for inflation — for the rest of your life.
This is based on a perpetuity model — it assumes the corpus keeps earning returns slightly above inflation, sustaining withdrawals indefinitely.
Step 2 — How much should you invest every month?
Once the target is set, the calculator works backwards to find the monthly SIP that — at your expected pre-retirement return rate — will reach that corpus by the time you retire.
Worked example
You're 30 today and want to retire at 60 with ₹75,000 per month in today's money. Assuming 6% inflation and an 8% post-retirement return, you'd need a retirement corpus of about ₹3.8 crore. To build that in 30 years at a 12% pre-retirement return, the required monthly SIP is around ₹17,500. Wait 10 years to start and that SIP jumps to ₹62,000. That's the real cost of delay.
When to use this versus our other tools
This calculator helps you set a goal and find the monthly investment to reach it. Once you know your SIP amount, use the SIP Calculator to model it across different fund types. When you're near retirement and planning monthly income, the SWP Calculator helps you check how long your corpus will last.
Frequently Asked Questions
What inflation rate should I use?▾
6% is a reasonable long-run baseline for general living costs in India. Healthcare inflation runs higher — 10–14%. Build a separate medical buffer rather than blending it into your monthly expense estimate.
What return should I assume after retirement?▾
7–8% from a conservative hybrid or balanced advantage fund is prudent. Avoid planning on 12% equity-level returns after retirement — the risk of a market fall when you're drawing down is much harder to recover from than during the build-up phase.
Should I include EPF and NPS in my planning?▾
Yes. Estimate your projected EPF and NPS corpus using their respective calculators, then subtract that from the target. The retirement calculator helps you plan only the gap you need to fill through mutual fund investments.
When should I start shifting from equity to debt?▾
Most advisors suggest a gradual shift starting 5–7 years before retirement — reducing equity from around 70% to around 30% as you approach the date, to protect the corpus from a market crash at the wrong time.
What if I expect rental income in retirement?▾
Subtract the expected post-tax rental income from your monthly expense figure before running the calculator. Even ₹20,000 per month in passive income significantly reduces the corpus you need.
How many years should I plan for?▾
With life expectancy rising above 80 for urban Indians, planning for 30 years of retirement (to age 90) is safer than planning for 20. Running out of money in old age is a far harder problem than having saved too much.
Should I keep an emergency fund separate from my retirement corpus?▾
Yes — always. Keep 12–24 months of expenses in a liquid or ultra-short-duration fund, completely separate from your SIP and retirement corpus.
Does the calculator factor in NPS annuity?▾
No. NPS requires 40% of the corpus to be converted into an annuity at retirement. Estimate that annuity income and subtract it from your monthly expense requirement before running this calculator.