Retirement Calculator
How much do you really need to retire? Answer accounts for inflation, post-retirement returns, and life expectancy.
What is Retirement?
A retirement calculator works out the corpus you need on retirement day so that monthly expenses can be withdrawn (adjusted for inflation) until your expected age, and the monthly SIP required today to hit that corpus.
2. Required corpus at retirement = PV of annuity at real (post-retirement return − inflation) rate
3. Required SIP = PMT formula to hit corpus at pre-retirement return
Worked example
Age 30 today, retire at 60, live till 85. Monthly expense ₹50K, inflation 6%, pre-return 12%, post-return 7%. Corpus needed: ~₹9.56 crore. Required SIP: ~₹27,300/month.
Frequently asked questions
Why do I need so much to retire?
Inflation compounds too. ₹50K today is ₹2.87L/month after 30 years at 6% inflation. Over 25 retirement years, that's a massive total.
Should I assume 6% inflation?
6% is average long-term India inflation. Food and healthcare inflate faster, conservative planners use 7%.
What if I start late?
Every delayed year makes the required SIP rise steeply. The calculator shows why starting in your 20s-30s matters.