Retirement Calculator
Estimate how much corpus you need to retire comfortably and the monthly SIP required to get there.
Educational Purpose Only: This calculator provides estimates for informational purposes. Results are not professional financial advice.
How it works
The calculator first adjusts your current monthly expenses for inflation to find out how much you will need every month at retirement. It then determines the total corpus required using a present-value-of-annuity formula, accounting for your post-retirement years and expected return on your invested corpus. Finally, it works backward to calculate how much you need to invest each month via SIP to accumulate that corpus by the time you retire.
Why retirement planning matters
Inflation steadily erodes the purchasing power of money. Expenses that cost ₹50,000 a month today could cost over ₹1.6 lakh per month in 20 years at 6% inflation. Starting early and investing regularly through compounding is the most reliable way to build a retirement corpus that can sustain your lifestyle for decades without depleting.
Frequently Asked Questions
What return rate should I assume for my retirement corpus?
For a balanced or conservative retirement portfolio (mix of debt and equity), 7–8% is a reasonable assumption. For an equity-heavy portfolio, 10–12% may apply, but this carries higher risk.
What is a safe withdrawal rate?
The calculator uses the corpus to fund a fixed real annuity over your post-retirement period. A commonly cited safe withdrawal rate is 4% annually, but this calculator lets you adjust the assumed return on corpus to match your strategy.
Does this include pension or PPF income?
No. If you expect pension, PPF withdrawals, or rental income in retirement, reduce your expected monthly expenses accordingly before calculating.
This calculator is for educational and illustrative purposes only. Retirement projections involve many assumptions and actual results will differ. Please consult a certified financial planner before making retirement investment decisions.