Retirement calculator
Answer the only two questions that matter: how big a corpus you need to retire, and the monthly SIP to build it. Inflation-adjusted, with separate returns before and after retirement.
Retirement plan
Tweak the numbers — results update live
Start a SIP of ₹21,856/month for the next 30 years (at 12%) to build this corpus.
₹21.86K/mo
SIP needed
from today
₹2.87L/mo
Future expense
at age 60
30 yrs
Years to save
accumulation
Corpus needed
₹7,71,48,597
Plan the finish line
Work out your number
Retirement planning is really one calculation: how much you must accumulate so your money outlives you. Inflation sets the target, compounding builds it, and starting early makes it painless.
- 1
Inflate expenses
Today’s costs are grown to your retirement age — they’ll be far higher.
- 2
Size the corpus
A fund large enough to pay rising expenses through your whole retirement.
- 3
Discount sensibly
The corpus keeps earning post-retirement, which lowers what you need upfront.
- 4
Find the SIP
Back out the monthly investment from now to hit the corpus in time.
Questions
Frequently asked
Enough to fund your expenses for your whole retirement, adjusted for inflation. This calculator inflates your current monthly expenses to your retirement age, then sizes a corpus that can pay those rising expenses for your expected lifespan, assuming the corpus keeps earning a post-retirement return. For many, that lands in the multiple-crore range — start the calculator above to see your number.
First, today’s monthly expense is grown by inflation to your retirement age. Then the corpus is the present value (at retirement) of an inflation-adjusted stream of those expenses across your retirement years, discounted at the post-retirement return. Using the “real” return (return minus inflation) ensures the corpus keeps pace with rising costs.
Because retirement is decades away and lasts decades more, even modest inflation massively inflates future costs. At 6%, expenses roughly double every 12 years — so a ₹50,000/month lifestyle today can cost several lakh a month by the time you retire. Ignoring inflation is the most common retirement-planning mistake.
Before retirement, when you can take more risk, many use 10–12% (equity-heavy). After retirement, portfolios shift to safer assets, so a lower 6–8% is typical. The calculator lets you set both. Being conservative on returns and realistic on inflation gives a safer plan.
The calculator computes the monthly SIP needed from today to build your target corpus by retirement, at your chosen pre-retirement return. Starting early dramatically lowers this number, thanks to compounding — every year you delay raises the required SIP.