Retirement Calculator
Find out how much money you need to retire comfortably, adjusted for inflation, and how much to invest each month to get there. The chart shows how your corpus is used up after retirement.
How to use it
- Enter your age, the age you want to retire at and your current monthly expenses.
- Set inflation and the returns you expect before and after retirement.
- Add savings you already have to see the remaining gap and the SIP that closes it.
How it is calculated
Expense at retirement = monthly expense x 12 x (1 + inflation)^years. Corpus = the amount that pays this growing expense every year until your life expectancy, while the balance earns the post-retirement return.
Frequently asked questions
How much money do I need to retire in India?
It depends on your expenses. Someone spending Rs 50,000 a month at 30 needs about Rs 7.7 crore at 60 if inflation is 6% and the money earns 7% after retirement.
What inflation rate should I use?
6% is a common long-term assumption for India. Use a higher rate if healthcare or education is a large part of your spending.
Do EPF and PPF count?
Yes. Add their expected values as existing savings, or use the EPF and PPF calculators to estimate them.
What if I start late?
The monthly SIP needed rises sharply with every year of delay. Try changing your current age to see the difference.