RETIREMENT PLANNING
Retirement Calculator
Determine the retirement corpus you need and how much to invest monthly to achieve it.
Results
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Your Calculation Summary
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WHY USE THIS CALCULATOR
Retire Comfortably. Plan Ahead.
Your Current Age (Years)
Your age today. The earlier you start planning, the more time compounding has to build your corpus — starting at 30 vs 40 can mean investing half as much monthly for the same result.
Retirement Age (Years)
When you plan to stop working. This determines your investment horizon and how long your corpus must last after retirement.
Monthly Household Expenses (₹)
Your current monthly spending. This is the baseline for calculating your retirement corpus — the calculator inflates this figure to your retirement age.
Estimated Rate of Inflation (% p.a.)
How fast prices rise annually. Inflation erodes purchasing power, so your future expenses will be much higher than today — the calculator accounts for this when sizing your corpus.
Current Monthly Savings (₹)
What you already invest monthly for retirement. This is subtracted from the additional investment needed — the more you save now, the less you need to add later.
Existing Savings for Retirement (₹)
Your current retirement nest egg (PF, PPF, mutual funds, etc.). These grow alongside your monthly savings and reduce the gap you need to fill.
Pre-Retirement Expected Return (% p.a.)
Growth rate while you're still earning and investing. A higher equity allocation can target 10–15%, but comes with volatility — use a realistic long-term average.
Post-Retirement Expected Return (% p.a.)
Growth rate after you retire. Post-retirement portfolios lean conservative (debt-heavy) for stability, so expect lower returns — typically 5–8%.