Retirement Calculator
Turn today's monthly expenses, your age and an inflation assumption into the retirement corpus you may need — and the monthly SIP that could build it.
Retirement corpus needed
₹7,63,08,179
≈ ₹7.63 Crore at age 60, lasting 25 years
Monthly SIP needed until retirement
₹21,618
Monthly expenses at age 60
₹2,87,175
Or invest once today
₹21,22,641
Existing savings grown to retirement
₹0
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Building the corpus
- Est. Gains
- Invested
Example calculation
₹50,000 a month today becomes about ₹2,87,175 a month at age 60 after 30 years of 6% inflation. Paying that — rising with inflation — for 25 years while the balance earns 7% needs roughly ₹7,63,08,179. Reaching it from today at 12% means a SIP of about ₹21,618 per month.
How the retirement corpus is estimated
Three steps. First, today's monthly expenses are inflated to the year you retire. Second, the corpus is sized so that inflation-growing monthly withdrawals can be paid from it, while the remaining balance earns your post-retirement return, until your life-expectancy age. Third, the SIP formula is reversed to find the monthly investment that reaches that corpus by retirement.
Formulas
Expenses at retirement: E × (1 + inflation)years to retire
Corpus (growing annuity due, monthly): Eret × [1 − qn] / [1 − q], where q = (1 + g) / (1 + r), g monthly inflation, r monthly post-retirement return, n months in retirement.
SIP needed: the goal planner formula applied to the corpus, after growing any existing savings.
Why two different returns?
Before retirement most people can hold growth assets for decades; after retirement the portfolio usually shifts towards stability and lower expected returns. Using one number for both phases hides that change. The gap between post-retirement return and inflation is what determines how fast a corpus erodes — model withdrawals in detail with the SWP calculator.
Assumptions & Limitations
- •Expenses grow at a constant inflation rate before and after retirement.
- •Withdrawals happen at the start of each month; the balance earns the post-retirement return.
- •The corpus is planned to reach zero at the life-expectancy age; no bequest is modelled.
- •Pensions, rental income, medical shocks and taxes are not modelled.
Frequently asked questions
Methodology last reviewed: 1 June 2026