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Retirement calculator

Your retirement number: the corpus that pays your expenses for life after inflation — and the SIP to start with today, stepping up each year as your income grows.

Plan long — one partner often lives past 90.
What your household spends now, excluding EMIs that will end before retirement.
EPF, PPF, NPS, mutual funds earmarked for retirement.
In line with a typical yearly raise. Set to 0 for a flat SIP.
Lower, because the portfolio should be safer once you depend on it.
Corpus you need at retirement—

Start your SIP at—
Your expenses at retirement—
Existing savings will grow to—
Gap to fill—
Your SIP in the final year—
If you never increased it, you would need—
Already on track
—
Gap
—

Educational tool with simplified assumptions. Returns are not guaranteed; actual results will differ. This is not investment, tax or legal advice.

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How it works

The maths, in plain English.

Step 1 — future expenses. Today's monthly expenses are inflated to your retirement year.

Step 2 — the corpus. We find the lump sum that can pay those expenses every year until the age you plan to, with expenses rising by inflation each year and the remaining money earning your retirement return. The corpus reaches zero at the end of the plan.

Step 3 — the SIP. Existing savings are grown to retirement and subtracted from the corpus. The gap is converted to a monthly SIP that starts small and rises once a year — by 10% unless you change it — the way most people actually save as their income grows. The flat-SIP figure is shown for comparison.

This ignores pensions, rental income and taxes on withdrawals — add those in a full plan.

Questions

FAQ

How much do I need to retire in India?
A common shortcut is 25–30 times your first year's retirement expenses. This calculator does the exact maths for your age, expenses, inflation and returns — for many households it lands between ₹3 crore and ₹10 crore.
What inflation rate should I use?
India's consumer inflation has averaged around 5–6% over the past decade. Using 6% is prudent; use 7% if healthcare is a large part of your spending.
Should I include my house in the corpus?
No, unless you plan to sell it or rent it out. The corpus should be money that can actually pay your bills.
Why does the calculator assume my SIP rises every year?
Because incomes usually do. A SIP that grows 10% a year can start at roughly a third to a half of the flat amount and still reach the same corpus, which makes the goal far more approachable early in a career. You can set the step-up to 0% to see the flat figure.
Does this include EPF and NPS?
Add their current balances under 'Already saved'. Future contributions count toward the monthly SIP the calculator shows.

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