Retirement Calculator
Plan your retirement corpus. Enter current savings, monthly investment, expected returns, and retirement age to see if you're on track.
Retirement Details
Pre-retire return
%Post-retire return
%Inflation
%Projected Corpus at Retirement
₹8.86 Crore
Required: ₹4.06 Crore
From existing savings
₹1.8 Crore
From monthly SIP
₹7.06 Crore
Sustainable monthly income
₹6,26,016
How It Works
Enter your current age, retirement age, and life expectancy. Add your current savings and monthly investment. The calculator grows your corpus at the expected pre-retirement return, then computes how much monthly income it can sustain post-retirement — accounting for inflation eroding purchasing power. The gap shows how much more you need to save.
Formula
Corpus = PV × (1+r)^n + PMT × [(1+r)^n − 1] / r; Monthly Income = Corpus × r / [1 − (1+r)^(−withdrawal years × 12)]
Frequently Asked Questions
How much corpus do I need to retire?
A common rule is the 25× rule: multiply your annual expenses by 25. With a 4% withdrawal rate, a corpus of ₹2.5Cr sustains ₹10L/year expenses. Adjust upward for inflation and longer life expectancy.
What return rate should I use for retirement planning?
Use 10–12% for equity-heavy pre-retirement portfolios and 6–7% for conservative post-retirement portfolios. For inflation, use 6% in India. Always use real (inflation-adjusted) returns for a more honest picture.
What is the 4% withdrawal rule?
The 4% rule suggests withdrawing 4% of your corpus in year 1, then adjusting for inflation each year. Research shows this sustains a portfolio for 30+ years in most market conditions. In India's higher-inflation environment, a 3–3.5% rate is safer.
Should I account for inflation in retirement planning?
Absolutely. At 6% inflation, ₹1L of expenses today becomes ₹1.8L in 10 years and ₹3.2L in 20 years. If you don't inflation-adjust, you'll dramatically underestimate how much corpus you need.