Retirement Calculator
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Quick Summary
- Calculate the retirement corpus you'll need and the monthly SIP to build it, based on your age, expenses and inflation rate. Free retirement planner.
- For example, Age 30, retire at 60, ₹50,000/month expenses today works out to Corpus target scales ~4-5x with 30 years of inflation.
- Built for working professionals estimating the retirement corpus and monthly SIP needed for their target age
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Your Retirement Plan
Retirement Corpus Needed
Monthly SIP Needed
₹0
Monthly Expenses at Retirement
₹0
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Corpus = future monthly expenses × 300 (25× annual expenses). Monthly SIP is then back-calculated to reach that corpus by retirement. Assumes 20 years of post-retirement life.
How the Retirement Calculator Works
You enter your current age, retirement age, monthly expenses and expected inflation. The calculator inflates your expenses to their future value at retirement, applies a standard corpus multiple (25-30x annual expenses) to size your target, then solves for the monthly SIP needed to reach it.
Example Scenarios
| Scenario | Result |
|---|---|
| Age 30, retire at 60, ₹50,000/month expenses today | Corpus target scales ~4-5x with 30 years of inflation |
| Age 40, retire at 60, ₹75,000/month expenses today | Shorter horizon means a higher required monthly SIP |
| Age 25, retire at 55, ₹40,000/month expenses today | Longest horizon — smallest required monthly SIP |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
A common estimate is 25-30 times your expected annual expenses at retirement, adjusted for inflation between now and your retirement age — this uses the same logic as the 4% safe withdrawal rule, extended for India's higher inflation environment.
It depends on your current age, target retirement age, current expenses, expected inflation (6-6.5% for India) and expected investment return. A retirement calculator works backward from your inflation-adjusted corpus target to find the monthly SIP needed to reach it by your retirement age.
For time horizons beyond 10 years, a higher equity allocation is generally recommended for better inflation-beating growth; as retirement approaches (last 5-10 years), gradually shifting to debt and hybrid funds reduces the risk of a market downturn hitting your corpus right before you need it.
Common Mistakes to Avoid
- Using today's expenses instead of inflating them to their value at your actual retirement age.
- Underestimating post-retirement life expectancy — plan for 85-90, not just 75-80.
- Keeping the entire retirement corpus in equity even as retirement age approaches, adding unnecessary risk.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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