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Retirement Calculator
Estimate the corpus you'll need to retire comfortably.
Future monthly need
₹2,87,175
Years to retire
30
Corpus needed
₹4,31,64,509
How it works
The calculator inflates today's monthly expenses to what you'll spend at retirement, then computes the corpus needed to fund those expenses for your post-retirement years (annuity present value).
The formula
Future exp = E × (1 + i)^y; Corpus = Fut.exp × [(1 − (1 + r)^−m) / r]- E
- Current monthly expenses
- i
- Assumed inflation (e.g. 6%)
- y
- Years until retirement
- r
- Monthly post-retirement return
- m
- Months in retirement
Worked example
Age 30, retiring at 60, spending ₹50k/month today, 6% inflation, 30-year retirement at 7% return → corpus needed ~₹4.3 crore. Requires an SIP of ~₹12–14k/month at 12%.
Pro tips
- The '25× annual expenses' rule of thumb approximates the corpus (based on a 4% safe-withdrawal rate).
- Split corpus into buckets: 3 years cash/debt, 5 years balanced, remainder equity.
- Include health insurance (₹25L+ family cover), not just monthly expenses.
- NPS Tier-1 gets extra ₹50k deduction under 80CCD(1B); consider it alongside EPF/PPF.
Common mistakes
- Ignoring inflation — ₹50k today is ₹2.87 lakh in 30 years at 6% inflation.
- Assuming children/property will fund retirement; plan as if they will not.
- Retiring 100% into equity or 100% into FDs — both are wrong. Rebalance.
Go deeper
Related lessons
Concepts to explore
4% ruleNPS Tier-1 vs Tier-2SWP (Systematic Withdrawal Plan)
Results are illustrative and do not include taxes, fees, or slippage. This is educational content — not investment, tax, or legal advice.