Retirement Calculator
Estimate the retirement corpus you need to fund your inflation-adjusted expenses from retirement until your life expectancy.
About this calculator
A retirement calculator estimates the corpus you need to have saved by retirement to cover your living expenses for the rest of your life, accounting for inflation before and during retirement.
How it works
It inflates your current monthly expense to its value at retirement, then calculates the fund required to sustain that inflation-adjusted spending — discounted at your expected post-retirement return — until your life expectancy.
Worked example
Aged 30, retiring at 60, life expectancy 85, spending ₹50,000 a month, with 6% inflation and an 8% post-retirement return, you'd need a corpus of roughly ₹6.8 crore — because that ₹50,000 becomes about ₹2.87 lakh a month by age 60.
Why use this retirement calculator
Sizes the corpus you need
It works back from your desired monthly expenses to the lump sum required at retirement, adjusted for inflation and post-retirement returns.
Turns a vague goal into a number
Instead of guessing, you get a concrete target and can see whether your current saving is on track to reach it.
Test the key levers
Adjust your retirement age, expenses and expected returns to see how each moves the corpus you must build.
Common use cases
- Find out how large a retirement corpus you actually need
- Check if your SIP and EPF are enough to get there
- See the effect of retiring five years earlier or later
- Plan the monthly saving required to hit your number
Frequently asked questions
Enough to cover your inflation-adjusted expenses for the rest of your life. This calculator projects your future monthly expense at retirement, then works out the corpus needed so that withdrawals — growing with inflation — last until your life expectancy.
It grows your current expense to a future value using inflation, then computes the present value at retirement of an inflation-linked income stream, discounted at your expected post-retirement return (the 'real return' method).
Retirees usually shift to safer, lower-return investments. A post-retirement return of 7–8% is a common assumption in India, but use a figure you're comfortable with.
No — it sizes the total corpus you'll need. Subtract any expected pension, EPF, NPS or existing savings to find the additional amount to accumulate.
Yes. Everything is calculated in your browser and nothing you enter is stored.
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