Retirement Calculator — Plan Your Retirement Corpus
Find out how much corpus you need to retire comfortably and the monthly SIP required to build it. Accounts for inflation, expected returns, and post-retirement life expectancy.
analyticsRetirement Projection
Educational estimate only. Actual returns may vary.
functionsHow This Calculation Works
The retirement calculator uses a three-step approach:
Step 1: Inflate today's monthly expenses to retirement age using the inflation rate.
Step 2: Calculate the corpus needed at retirement to sustain inflated expenses for the retirement duration (life expectancy minus retirement age), using the present value of annuity formula with post-retirement returns.
Step 3: Calculate the monthly SIP needed to accumulate that corpus by retirement using the future value of annuity formula with pre-retirement returns.
How Does a Retirement Calculator Work?
A retirement calculator helps you estimate the total corpus (savings) you need to maintain your current lifestyle after you stop earning. It accounts for inflation — which means your ₹50,000 monthly expense today could be ₹1,34,000 in 20 years at 5% inflation. Without planning, you risk running out of money in retirement.
For example, if you are 30, plan to retire at 60, expect to live until 80, currently spend ₹50,000/month, and assume 5% inflation, 12% pre-retirement returns, and 7% post-retirement returns — you would need approximately ₹5.7 Cr at retirement. To build this, you would need to invest around ₹16,200 per month starting today.
The calculator assumes your post-retirement returns come from a conservative mix of debt funds, FDs, and senior citizen savings schemes. The pre-retirement returns assume an equity-heavy portfolio (index funds or balanced funds). Starting early is the single most powerful factor — even a 5-year head start can reduce your required monthly SIP by 40-50%.
workspace_premiumBenefits of Using a Retirement Calculator
Know Your Number
Find the exact corpus amount you need to retire comfortably. This single number becomes your financial north star and drives all investment decisions.
Account for Inflation
Today's ₹50,000 won't buy the same things in 25 years. The calculator inflates expenses to show the real cost of living at retirement, preventing underestimation.
Start Early, Save Less
See how starting 5 years earlier dramatically reduces the monthly SIP needed. Compounding rewards early starters — a 25-year-old needs to invest nearly half of what a 30-year-old does for the same corpus.
Adjust and Plan
Play with return rates, inflation, and retirement age to build a realistic plan. Want to retire at 50 instead of 60? See exactly how much more you need to invest.
help_outlineFrequently Asked Questions
How much corpus do I need for retirement in India?
It depends on your lifestyle. A common rule of thumb is 25-30× your annual expenses at retirement. If your inflated annual expense at 60 is ₹20 lakh, you need ₹5-6 Cr. Use this calculator with your specific numbers for an accurate estimate.
What return rate should I assume before retirement?
For a primarily equity portfolio (index funds, balanced funds), 10-12% is a reasonable long-term assumption in India. If you have a conservative mix with debt, 8-10% is more appropriate. Never assume more than 12-13% for planning.
What return rate should I assume after retirement?
Post-retirement, your portfolio should be conservative — debt mutual funds, FDs, SCSS, PPF. Assume 6-8% for planning. After 60, capital preservation is more important than growth.
What inflation rate should I use?
India's long-term average inflation is around 5-6%. For conservative planning, use 6%. For essential expenses like healthcare, consider 8-10% as medical inflation is higher.
Can I retire early at 45 or 50?
Yes, with disciplined saving. Early retirement requires a larger corpus because: (1) more retirement years to fund, (2) less time to accumulate, (3) longer exposure to inflation. You typically need 30-35× your annual expenses for FIRE (Financial Independence, Retire Early).
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Pair this calculator with our educational guides for smarter retirement planning. Retirement Planning Guide · What is NPS? · EPF vs PPF · What is SIP?
This retirement calculator is for educational and illustrative purposes only. It assumes constant rates of return and inflation throughout the period, which is unlikely in practice. Actual results will vary. It does not account for taxes, medical emergencies, or lifestyle changes. Always consult a SEBI-registered financial advisor for personalized retirement planning.
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DISCLAIMER: MoneyHigh.in is an educational platform managed by Ravi Thube. All content is for informational purposes only and should not be considered as professional financial advice. We are NOT SEBI Registered Investment Advisors, NOT IRDAI licensed agents, NOT RBI authorized entities. We do NOT provide investment advisory, stock tips, buy/sell recommendations, or any financial services. Always consult a SEBI-registered professional before making investment decisions.