Retirement Calculator
Plan the corpus you will need for a comfortable retirement. Accounts for inflation, investment returns, and how long your money needs to last.
Retirement details
1870
4080
$
$500$500K
%
1%15%
%
1%30%
60100
Retirement corpus needed
$3,524,212
$22,974/mo at retirement
Need$3.5M
Years to retire
30 yrs
Monthly expense at retirement
$22,974
Corpus required
$3,524,212
Monthly SIP needed
$998
What is a retirement calculator?
A retirement calculator estimates how much money you need to accumulate before you stop working, so that your savings can sustain your lifestyle for the rest of your life. The key challenge is that both inflation and investment returns are at work simultaneously — your expenses grow over time, but so does your invested corpus.
Inputs explained
- Current age & retirement age — determines your saving horizon. The earlier you start, the less you need to invest monthly.
- Monthly expenses today — your current essential expenses. The calculator inflates this to estimate future purchasing power needs.
- Inflation rate — typically 5–7% for most economies. This determines how much your expenses will be at retirement.
- Investment return — expected annual return on your portfolio during the accumulation phase.
- Life expectancy — how long your retirement corpus needs to last. Use 85–90 to be conservative.
How the corpus is calculated
Corpus = Annual expense × (1 − (1+r)^−n) ÷ r
r Real return = (nominal return − inflation) / 100
n Retirement years (life expectancy − retirement age)
Annual expense = Current monthly × 12 × (1+inflation)^years to retire
Early-retirement scenarios
Want to stop working before 60? See the corpus and monthly SIP each early-retirement age demands:
Frequently asked questions
What if I have a pension or rental income?
Subtract your expected passive income from your projected monthly expenses before entering them. The calculator then shows the corpus needed to cover only the remaining gap.
Should I include my home in the corpus?
Only if you plan to sell it or rent it out. A home you live in generates no cash flow, so it shouldn't be counted as part of your retirement corpus unless you plan to downsize.
How is the monthly SIP figure calculated?
It's the monthly SIP amount needed at your stated return rate to accumulate exactly the required corpus by your retirement age, assuming you start today.