Retirement Calculator
How much you need to retire, whether you’re on track, and what to invest each month if you’re not.
At a glance
- Works out the corpus you need at retirement to pay expenses that rise with inflation every year, until the age you plan for, while the rest keeps earning.
- Projects your current savings and a step-up SIP (raised every year) to retirement, month by month.
- Shows the shortfall or surplus, the extra monthly SIP — or lump sum today — that puts you on track.
- Tells you until what age your money lasts on the current plan.
- A chart of your money by age — growing while you work, then paying your expenses — with the on-track plan beside it, and a table view.
- Separate returns before and after retirement, since most people move to safer investments once they retire.
Step by step
How to plan your retirement corpus
- 1
Enter your ages
Your age now, when you want to retire, and how long the money should last — planning to 85 or 90 is sensible.
- 2
Enter your expenses
What you’d spend a month at today’s prices, and the inflation you expect.
- 3
Enter your savings
Money already saved for retirement, your monthly SIP and how much you’ll raise it each year.
- 4
Read the plan
The corpus you need, what you’ll have, and the extra SIP or lump sum that closes any gap.
Features
Everything you need, nothing you don’t
Corpus needed
Inflation-adjusted, year by year.
Step-up SIP
Raise your SIP every year.
Gap to close
Extra SIP or a lump sum today.
Money lasts until
The age your savings run out.
Two return rates
Before and after retiring.
Chart by age
Your plan and the on-track plan.
An example
A 30-year-old who spends ₹50,000 a month today and wants to retire at 60 will spend about ₹2.87 lakh a month at 60 with 6% inflation. To pay that — rising every year — until 85, while earning 7% in retirement, they need about ₹7.48 crore at 60. With ₹5 lakh saved and a ₹10,000 SIP raised 5% a year at 12%, they’d have about ₹6.17 crore: ₹1.31 crore short, and the money would run out around 80. Investing about ₹2,800 more a month (also raised 5% a year) closes the gap.
Rules of thumb
| Rule | What it says |
|---|---|
| 25–30 × yearly expenses | A corpus of about 25 to 30 times your first year’s expenses lasts a long retirement in India, where inflation is higher. |
| Start early | Each year of delay needs a noticeably bigger SIP, because the money has less time to compound. |
| Step up your SIP | Raising the SIP with your salary every year reaches the goal with a far smaller starting amount. |
| Keep health apart | Medical costs rise faster than inflation — hold health insurance and an emergency fund separately. |
FAQ
Frequently asked questions
How much money do I need to retire in India?
What inflation should I assume?
What return should I expect?
Should I include EPF and PPF?
What is a step-up SIP?
What if I retire early?
Keep going
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