Retirement Calculator: How Much Do You Need to Retire?

This retirement calculator estimates the corpus you need on the day you retire, so that inflation-adjusted expenses are covered until the age you plan for. It then works out the monthly investment needed to build that corpus.

FreeNo sign-upRuns in your browserUpdated 2 Nov 2026
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Your resultLive

Estimates for general information. This is not financial advice.

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How to use this calculator

  1. Enter your current age, the age you want to retire and the age you want your money to last until.
  2. Enter your monthly expenses in today's money.
  3. Enter inflation and the returns you expect before and after retirement. Try cautious values.
  4. Read the corpus needed and the monthly investment required.

The formula

Expense at retirement = monthly expense × 12 × (1 + inflation)^years. Real return g = (1 + post-retirement return) ÷ (1 + inflation) − 1. Corpus = annual expense × [1 − (1 + g)^−D] ÷ g × (1 + g), where D is the years of retirement. Monthly investment = (corpus − growth of current savings) ÷ the SIP future-value factor.

Worked example

A 30-year-old who retires at 60 and plans until 85, with ₹40,000 monthly expenses, 6% inflation, 12% return before and 8% after retirement: expenses at 60 become about ₹2,29,740 a month. The corpus needed is about ₹5,55,75,146, and the monthly investment required is about ₹15,744.

Understanding your result

Inflation is the biggest driver. A modest 6% a year more than quintuples your expenses over 30 years. The corpus assumes you withdraw yearly at the start of each year and that the remaining money keeps earning the post-retirement return. Small changes in assumptions move the result a lot, so test several scenarios.

When to use it

  • Get a first estimate of a retirement target.
  • See how retiring five years later changes the monthly amount.
  • Check how much existing savings already cover.

Assumptions and limits

This is a simplified planning estimate, not financial advice. It assumes constant inflation and returns, level real withdrawals, no pension, and no taxes or fees. Real returns vary and can be negative. Consider speaking to a qualified adviser.

Frequently asked questions

What inflation rate should I use?

Long-term inflation in India has often been around 5–6%, but use your own judgement and test higher values.

Does it include pension or EPF?

No. Add those to your current savings figure if you want them counted.

Why plan until age 85 or more?

Planning for a long life reduces the risk of running out of money.

Are returns guaranteed?

No. Returns are assumptions only.

Is this financial advice?

No. It is an educational estimate. A qualified adviser can look at your full situation.