Retirement Calculator
Work out the corpus you need and what to save each month for it.
Your inputs
Expenses are inflated to retirement age, then a corpus is sized at 25× the first year's inflated expense.
Return assumption scenarios
Investment returns aren't guaranteed — see how sensitive your required monthly saving is to the return you assume.
| Scenario | Corpus needed | Save each month |
|---|---|---|
| Conservative (9.0%) | ₹9,20,10,361 | ₹53,200 |
| Base (your assumption) (11.0%) | ₹9,20,10,361 | ₹32,608 |
| Higher return (13.0%) | ₹9,20,10,361 | ₹18,094 |
Inflation sensitivity
| Scenario | Corpus needed | Save each month |
|---|---|---|
| Lower inflation (4.5%) | ₹6,17,34,600 | ₹19,163 |
| Your assumption (6.0%) | ₹9,20,10,361 | ₹32,608 |
| Higher inflation (7.5%) | ₹13,63,67,068 | ₹52,305 |
Sustainable withdrawal estimate
A commonly cited guideline suggests withdrawing around 4% of your corpus annually as a starting point — not a universally safe rate, since it depends on actual returns, inflation, and how long the corpus needs to last.
Estimates only. Figures are indicative and do not constitute financial advice.
About the Retirement Calculator
"How much do I need to retire" and "retirement calculator India" are searches that tend to hit differently once you're a decade or two into your career — the answer is almost always a bigger number than people initially guess, mainly because of inflation compounding over 20-30 years. This retirement calculator works out your required retirement corpus and the monthly amount you need to save to get there, starting from your current age, expenses, and existing savings.
The calculator first inflates your monthly expenses today to what they'll cost in the year you retire (using your expected inflation rate), then sizes your required corpus at 25 times your first year's annual expense in retirement — a common rule-of-thumb multiple that assumes a sustainable withdrawal rate of roughly 4% per year from your retirement corpus. It then grows your existing savings at your expected investment return until your retirement age, calculates the remaining gap between what you'll need and what your current savings will grow into on their own, and works out the monthly SIP-style investment required to close that gap by retirement. This is genuinely useful for anyone in their late 20s through 40s who wants a realistic, non-hand-wavy number for retirement planning — not just "save more," but an actual monthly figure. Try adjusting the inflation and return assumptions to see how sensitive your required monthly saving is to each one; even a 1-2% difference in either assumption meaningfully changes the outcome over a 20-30 year horizon.
How to use this calculator
- Enter your current age and planned retirement age.
- Enter your monthly expenses today, expected inflation, and expected investment return.
- Enter what you've already saved for retirement.
- See your required corpus, projected savings growth, and monthly saving needed.
Frequently asked questions
›How much retirement corpus do I need?
A common rule of thumb is 25 times your expected annual expenses in the first year of retirement (assuming a roughly 4% sustainable annual withdrawal rate), though the right number depends on your lifestyle, life expectancy, and other income sources.
›How does inflation affect retirement planning?
Inflation increases your future cost of living significantly over 20-30 years — expenses of ₹60,000/month today could cost well over ₹2 lakh/month by retirement at even a moderate 6% inflation rate, which is why retirement planning must account for it explicitly.
›What is the 4% rule in retirement planning?
The 4% rule suggests you can sustainably withdraw about 4% of your retirement corpus each year (adjusted for inflation) without running out of money over a typical 25-30 year retirement — it's a guideline, not a guarantee.
›How much should I invest monthly for retirement?
It depends on your years to retirement, current savings, expected returns, and target corpus — this calculator works out that exact monthly figure based on your specific inputs rather than a generic percentage.
›Should retirement savings be in equity or debt investments?
Most financial planners suggest a higher equity allocation earlier in your career (for growth) that gradually shifts toward debt and safer instruments as you approach retirement (for capital protection), but the right mix depends on your individual risk tolerance.
What affects retirement?
- Years to retirement
- More years means more time for both your existing savings and new contributions to compound — this is usually the single biggest lever you control.
- Return assumption
- Investment returns aren't guaranteed — see the return-scenario comparison below to check how sensitive your required saving is to a more conservative or more optimistic assumption.
- Inflation assumption
- Higher inflation raises both your future expenses and required corpus — a swing of even 1-2% compounds meaningfully over 20-30 years.
- Existing savings
- What you've already saved grows on its own until retirement, directly reducing the gap that new monthly contributions need to close.
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Read the full guide
How Much Do You Actually Need to Retire in India?