Retirement Calculator
Estimate corpus needed and monthly savings required.
Last updated: Aug 3, 2026
Disclaimer: Results here are estimates for general understanding only and are not financial, tax, investment or legal advice. Figures assume constant rates and inputs, and may differ from your bank, lender or tax department calculations. Always verify with official sources or a qualified professional before making any financial decision.
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Retirement Corpus
$$ \text{Corpus} = \text{Annual Expenses} \times \frac{(1+i)^n}{r - i} $$
Step 1
$$ \text{Future annual expense} = \text{current} \times (1+\text{inflation})^n $$
Expenses grow with inflation until retirement.
Step 2
$$ \text{Corpus} \approx \text{expense} / \text{safe withdrawal rate} $$
Commonly 3.5–4% withdrawal rate is used.
Step 3
$$ \text{SIP needed} = \text{goal} / \text{future value of annuity} $$
Monthly investment required to reach the corpus.
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About Retirement Calculator
This retirement calculator estimates the corpus you will need at retirement and the monthly SIP required to build it. It inflates your current monthly expenses to the year of retirement and then applies a safe withdrawal rate (commonly 3.5–4%) to arrive at the target corpus. Expected investment return is used to reverse-calculate the required monthly savings.
Assumptions matter a lot. Higher inflation or lower withdrawal rate increases the required corpus sharply. Treat the result as a planning range, not a precise number. NPS, EPF and other retirement products can form part of the overall plan.
Practical Tips (India)
Tip 1: Assume 6% inflation and plan for at least 25–30 years of post-retirement life to avoid outliving your corpus.
Tip 2: Consider NPS and PPF alongside equity SIPs — NPS adds ₹50,000 extra deduction under Section 80CCD(1B).
Tip 3: Rebalance toward debt as you approach retirement; keeping 10–20% in equity preserves growth without extreme risk.
Frequently Asked Questions
What safe withdrawal rate should I use in India?
3.5–4% is commonly used. A lower rate is safer if you expect long retirement or high healthcare costs.
Does this include pension or EPF?
No. Subtract the expected value of EPF, NPS or any pension from the target corpus to find the additional amount you still need to accumulate.
What inflation rate is realistic?
Long-term consumer inflation in India has averaged around 5–6%. Using 6% is a reasonable planning assumption.
Can I retire earlier?
Yes. Reduce the “years to retirement” input and the calculator will show a higher required SIP. Early retirement needs a larger corpus and more aggressive saving.
Is the result guaranteed?
No. It is a mathematical projection based on constant rates. Actual returns, inflation and expenses will differ. Review the plan every few years.