Plan your retirement
“How much is enough?” is the most important money question most people never answer. This retirement calculator takes your current expenses, inflation, the years until you retire and how long retirement may last, and works out the corpus you'll need — then the monthly investment that gets you there, after counting what you've already saved in EPF, PPF, NPS or mutual funds.
How to use it
- Enter your age, when you want to retire, and the age you want your money to last until.
- Enter today's monthly household expenses (excluding EMIs that will end before retirement).
- Adjust inflation and the expected returns before and after retirement.
How it's calculated
- Expense at retirement = today's expense × (1 + inflation)years to retirement.
- Corpus = the amount that, earning the post-retirement return, can pay that expense every month — rising with inflation — until your planned age.
- Monthly investment = the SIP that grows to (corpus − future value of current savings).
Example
A 30-year-old spending ₹50,000 a month, retiring at 60 and planning till 85, with 6% inflation, 11% returns before and 7% after retirement, and ₹5 lakh saved, needs a corpus of roughly ₹7.7 crore. That calls for a monthly SIP of about ₹23,000. Starting at 40 instead nearly doubles it, to about ₹44,500 a month — the strongest argument for starting early. Check individual pieces with the EPF,NPS and SWP calculators.
Disclaimer: Results are estimates for educational purposes only and are not financial, investment or tax advice. Please verify with your bank, broker or a SEBI-registered adviser before acting. Read the full disclaimer.