Retirement Calculator
Find out how much you need to retire comfortably and the monthly savings required.
Corpus Needed
₹0
Monthly SIP Needed
₹0
Expense at Retirement
₹0
Existing Savings vs Gap
Year-wise Corpus Growth
Year-wise Projection
| Year (Age) | Savings Growth | SIP Corpus | Total |
|---|
How Much Do You Need to Retire?
Retirement planning is about ensuring you have enough money to maintain your lifestyle after you stop working. The amount you need depends on your current expenses, the age you plan to retire, expected inflation, and how long you expect to live in retirement.
Our retirement calculator factors in inflation to project your future expenses, calculates the total corpus you'll need, and tells you exactly how much to save monthly to reach that goal.
How the Retirement Corpus is Calculated
The calculator uses these steps:
- Project future expenses: Current expenses adjusted for inflation until retirement age
- Calculate required corpus: Present value of all future expenses during retirement (assuming life expectancy of 85 years)
- Account for existing savings: Growth of your current savings until retirement
- Calculate monthly SIP: The monthly investment needed to bridge the gap between existing savings and required corpus
Retirement Planning by Age
| Current Age | Monthly SIP (for ₹50K/month retirement expenses) | Corpus at 60 |
|---|---|---|
| 25 | ~₹7,500 | ~₹5.5 Cr |
| 30 | ~₹13,000 | ~₹5.5 Cr |
| 35 | ~₹24,000 | ~₹5.5 Cr |
| 40 | ~₹47,000 | ~₹5.5 Cr |
Assumes 6% inflation, 12% pre-retirement returns, 8% post-retirement returns.
Tips for Retirement Planning
- Start as early as possible. Starting at 25 instead of 35 can reduce your required monthly savings by half.
- Account for inflation realistically. Use 6-7% for India. Your expenses will roughly double every 10-12 years.
- Don't rely solely on EPF. EPF alone is rarely sufficient. Supplement with equity mutual funds, PPF, and NPS.
- Build an emergency fund first. Keep 6-12 months of expenses liquid before locking money in long-term investments.
- Get adequate health insurance. Healthcare costs rise faster than general inflation. A good policy reduces retirement corpus needs.
- Review and increase annually. Step up your SIP by 10% each year as income grows.
Plan Your Retirement Now
Enter your details above to see exactly how much you need to save each month for a comfortable retirement.
Calculate NowFrequently Asked Questions
A common rule is 25-30 times your annual expenses at retirement. The exact amount depends on lifestyle, inflation, healthcare costs, and post-retirement income. Use this calculator for a personalized estimate.
The 4% rule suggests withdrawing 4% of your corpus annually (adjusted for inflation) without running out for 30 years. If you need ₹12L/year, you need ₹3 crore corpus.
As early as possible. Starting at 25 vs 35 means needing roughly half the monthly savings for the same corpus, thanks to compounding.
Absolutely. At 6% inflation, expenses double every 12 years. If you spend ₹50,000/month today, you'll need about ₹1.6 lakhs/month in 20 years. This calculator accounts for inflation automatically.