Retirement Calculator
🔒 In your browserCorpus you need to retire and the monthly SIP to build it.
How it works
Work out the retirement corpus you'll need and the monthly SIP to build it. Enter your age, retirement age, current monthly expenses, expected inflation, your return before and after retirement, and years to fund in retirement.
A planning estimate using constant assumed rates. The corpus funds inflation-adjusted expenses over your retirement years. Real markets and expenses vary — revisit the plan periodically. The "years to retirement" row is a count, not an amount.
🔒 Calculated entirely in your browser — nothing is uploaded.
🔒 Calculated in your browser: your loan, investment and salary figures are never uploaded. Interest, tax and salary structures vary by bank and employer, so treat the result as a close estimate and confirm exact figures with them.
About the Retirement Calculator
This free retirement calculator works out the corpus you'll need to retire comfortably and the monthly SIP to build it. Enter your age, retirement age, current monthly expenses, expected inflation, and your returns before and after retirement.
It calculates in your browser — private and instant.
How the corpus is estimated
Two forces shape retirement planning: inflation raises your future expenses, and your investments earn returns. The calculator first grows today's monthly expenses by inflation to your retirement date, then works out the corpus needed to fund those inflation-adjusted expenses across your retirement years using your post-retirement return. Finally it computes the monthly SIP, at your pre-retirement return, needed to reach that corpus.
A worked example
Suppose you're 30, retire at 60, spend ₹50,000 a month today, expect 6% inflation, 12% returns while working and 7% after, and need 25 years of retirement income. Inflation pushes that ₹50,000 to roughly ₹2.87 lakh a month by 60, so the corpus needed runs into several crores — and the tool shows the monthly SIP required to get there, which is far more manageable when started early.
Frequently asked questions
How much do I need to retire?
Enough to fund your inflation-adjusted expenses through retirement. The calculator grows today's expenses by inflation, then sizes the corpus using your post-retirement return over your retirement years.
How is the monthly SIP calculated?
It's the monthly investment that, compounded at your pre-retirement return until you retire, reaches the required corpus. Starting earlier means a much smaller monthly amount.
Why does inflation matter so much?
Because expenses decades away are far higher than today's. At 6% inflation, costs roughly triple in 20 years, so ignoring inflation badly underestimates the corpus you need.
Are the results guaranteed?
No — they use constant assumed rates for inflation and returns, which vary in reality. Treat the plan as a guide and revisit it every few years.
Is my data uploaded?
No. The calculation runs entirely in your browser.