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Retirement Planning

Retirement Calculator — Plan Your Corpus

Find out how much retirement corpus you'll need based on your expected expenses, and whether your current savings rate is on track to get there.

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🏖️ Enter Retirement Details

📊 Your Retirement Outlook

Enter details and click Calculate
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Disclaimer: Results provided by this calculator are for educational and estimation purposes only. They do not constitute formal financial, investment, or tax advice. Actual returns, rates, and tax treatment depend on your specific circumstances and prevailing regulations. Consult a certified financial advisor or chartered accountant before making financial decisions.

How Your Retirement Number Is Calculated

This calculator projects your current monthly savings forward (compounded at your expected return) to your retirement age, and separately calculates the corpus needed to sustain your desired monthly expenses (adjusted for inflation) through retirement, typically using the 4% withdrawal rule — a safe annual withdrawal rate that historically preserves a retirement corpus for 25-30+ years.

Worked Example

Starting at age 30, retiring at 60, saving ₹10,000/month at an expected 10% annual return: your monthly savings alone grow to roughly ₹2.28 crore by retirement (before accounting for your inflation-adjusted expense target, which the calculator compares this against). The gap between what your current savings rate produces and your actual required corpus tells you whether to increase your monthly contribution.

Frequently Asked Questions

The 4% rule suggests that withdrawing 4% of your retirement corpus in the first year (then adjusting for inflation each subsequent year) has historically had a high probability of lasting 30 years without depleting the corpus. It implies you need a corpus of roughly 25× your annual expenses at retirement — some planners use a more conservative 3-3.5% for extra safety margin.
Significantly. Expenses that cost ₹50,000/month today will cost far more in nominal rupees by the time you retire — at 6% inflation over 30 years, today's ₹50,000 becomes roughly ₹2.87 lakh/month. Always plan using inflation-adjusted (future value) expenses, not today's cost of living.
You have three levers: increase your monthly savings rate, extend your working years (delaying retirement even by a few years compounds meaningfully), or adjust your expected retirement lifestyle/expenses downward. Small increases in monthly SIP amount, applied consistently, often close the gap faster than people expect due to compounding — try adjusting the savings figure above to see the effect.
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