Retirement Calculator
A 30-year-old spending ₹50,000 a month today needs a corpus of about ₹6.95 crore to retire at 60, or a SIP of about ₹19,680 a month (6% inflation, 12%/8% returns, to age 85).
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Your retirement corpus must pay for expenses that keep rising with inflation, for as long as you live. This calculator estimates that corpus and the monthly SIP needed to build it.
Example
A 30-year-old spending ₹50,000 a month who retires at 60 (6% inflation, 12% returns before and 8% after retirement, life to 85) needs about ₹6,94,68,933, or a SIP of about ₹19,680 a month.
Retirement Calculator scenarios
| Current age | Monthly expense at 60 | Corpus needed | Monthly SIP needed |
|---|---|---|---|
| 25 | ₹3,84,304 | ₹9.30 crore | ₹14,313 |
| 30 | ₹2,87,175 | ₹6.95 crore | ₹19,680 |
| 35 | ₹2,14,594 | ₹5.19 crore | ₹27,356 |
| 40 | ₹1,60,357 | ₹3.88 crore | ₹38,824 |
| 45 | ₹1,19,828 | ₹2.90 crore | ₹57,448 |
| 50 | ₹89,542 | ₹2.17 crore | ₹93,229 |
What changes the result
- Inflation: at 6%, today’s expenses roughly quintuple over 28 years.
- Years to retirement — each year of delay raises the SIP needed noticeably.
- Returns before and after retirement, and how conservatively you invest once retired.
- How long the money must last (life expectancy), and healthcare costs.
- Other income such as EPF, NPS, rent or a pension, which reduces the corpus you need to build.
How to use this calculator
- Enter your current age, retirement age and the age to plan until.
- Enter your current monthly expenses.
- Enter the expected inflation and returns before and after retirement.
- Read the corpus needed at retirement and the monthly SIP to build it.
Retirement Calculator FAQs
Does this include EPF or pension income?
No. Subtract what EPF, NPS or other pensions will provide to see the remaining gap.
Why is the corpus so large?
Expenses keep rising with inflation during retirement too, and the corpus must fund them for decades. The calculator assumes withdrawals rise with inflation every year.
What life expectancy should I plan for?
Planning to 85 or 90 reduces the risk of outliving your savings. A longer plan needs a bigger corpus. These are illustrative estimates, not a recommendation. Actual results depend on the product, market conditions and your circumstances.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.