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Retirement Calculator

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Calculate your required retirement corpus, monthly savings needed, and whether you are on track. Enter your age, expenses, inflation, and returns for a personalised projection. Estimation only.

Corpus Target
Year-by-Year
Inflation-Adjusted
Not Financial Advice

Your Details

yrs
yrs
yrs
₹
₹
₹

Return Assumptions

% p.a.
% p.a.
% p.a.
Enter your details and click Calculate

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How to Use

  1. 1 Enter your current age and target retirement age
  2. 2 Enter your current monthly expenses (in today's rupees)
  3. 3 Add your current savings and your monthly investment amount
  4. 4 Set inflation rate and expected pre/post-retirement returns
  5. 5 Click Calculate to see your required corpus, projected corpus, and any shortfall

Features

  • Inflation-adjusted monthly expenses at retirement
  • Required corpus calculated as PV of annuity for your post-retirement years
  • Accounts for current savings growth and future SIP accumulation separately
  • Monthly savings needed to close any shortfall
  • Milestone table: your savings journey every 5 years
  • Separate pre-retirement and post-retirement return rates

Why it Matters

Most private-sector employees in India have no guaranteed pension. With inflation eroding purchasing power and potentially 25–30 post-retirement years to fund, getting the corpus target right is the foundation of financial security. Knowing the gap — and the monthly top-up to close it — is the first step.

★★★★★

Use Cases

Early Career

See how small monthly investments compound over 30+ years to a comfortable corpus

Mid-Career Check

Find the shortfall in your current savings trajectory and the monthly fix

FIRE Planning

Calculate your FIRE number — the corpus that sustains your lifestyle indefinitely

Pre-Retirement Review

Stress-test your corpus against different inflation and return scenarios

What this tool does

Enter your current age, retirement age, monthly expenses, existing savings, monthly investment, and return assumptions. The calculator finds the corpus you need at retirement (modelled as a PV annuity for your expected post-retirement years), compares it to your projected savings, and tells you the monthly top-up needed.

Disclaimer: This tool is for estimation and educational purposes only. It is not financial advice. Consult a SEBI-registered investment advisor for personalised retirement planning.

Frequently Asked Questions

What return rate should I use for pre-retirement?
If you invest primarily in equity mutual funds or index funds, 10–12% is a reasonable long-term assumption based on historical Nifty/Sensex CAGR. For a more conservative mix (debt + equity), use 8–10%. The tool defaults to 12% — adjust to match your actual portfolio.
What post-retirement return should I use?
In retirement, most advisors recommend shifting to safer assets — Senior Citizens Savings Scheme (7.4%), RBI Floating Rate Bonds (8.05%), or a conservative debt-equity mix. 6–8% is reasonable. The default is 7%. Lower post-retirement returns require a larger corpus.
Should I include EPF and PPF in current savings?
Yes. Add your current EPF + PPF + NPS + mutual fund + FD balances in the 'Current Savings' field. Include your monthly EPF + PPF + NPS + SIP contributions in 'Monthly Savings'. This gives the most accurate projection.
What about social security or pension income?
If you expect pension or guaranteed retirement income, subtract that monthly amount from your expected monthly expenses before entering the figure. For example: if you need ₹80,000/month and expect ₹20,000/month in pension, enter ₹60,000 as monthly expenses.
What is the 4% rule and does this calculator use it?
The 4% rule says withdrawing 4% of your corpus annually will sustain it for 30 years. This calculator doesn't hard-code 4% — instead you enter your post-retirement return and life expectancy, and it computes the PV annuity. At 7% post-retirement return and 25 retirement years, the implied safe withdrawal rate is roughly 8–9%.
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Want to understand the math?

Browse all guides →
Retirement Planning in India
retirement planning india

Retirement Planning in India: How Much Is Enough?

The complete guide to retirement planning in India — calculating your corpus, SWP strategy, EPF/NPS/mutual fund mix, 4% rule in Indian context, and how to avoid running out of money.

25 Jun 2026

5 min read

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