Retirement Planner

Calculate exactly how much you need to save for a comfortable retirement. Our calculator accounts for inflation, investment returns, and helps you plan your SIP strategy.

Accurate Calculations

Precise retirement corpus calculations based on your current expenses and financial goals.

Inflation Adjusted

Accounts for inflation to show you the real purchasing power needed at retirement.

SIP Strategy

Get personalized SIP recommendations to reach your retirement goals systematically.

Retirement Corpus Calculator

Calculate how much you need to save for a comfortable retirement

₹10K₹5L
yrs
5 yrs50 yrs

Advanced Settings

%
%
Years to Retirement
30
years to save
Required Retirement Corpus
₹8.6Cr
8.62 Crores
Monthly SIP Required
₹24,406
to reach your goal

Inflation Impact

Current Monthly Expense:₹50,000
At Retirement:₹2.9L
Inflation Impact:+474%

Investment Breakdown

Total Investment:₹87.9L
Expected Returns:₹7.7Cr
Total Corpus:₹8.6Cr

*Calculations assume 6% inflation & 12% returns

How Our Retirement Calculator Works

1

Future Expense Calculation

We calculate what your current monthly expenses will be worth at retirement, accounting for inflation over the years.

2

Corpus Requirement

Using the 4% withdrawal rule (or your custom rate), we determine the total corpus needed to sustain your lifestyle.

3

SIP Recommendation

We calculate the monthly SIP amount needed to reach your corpus goal, based on expected investment returns.

Key Assumptions

Default Inflation Rate:6% per annum
Expected Investment Return:12% per annum
Withdrawal Rate:4% per annum
Post-retirement Life:25+ years
Note

All calculations are estimates. Consult a financial advisor for personalized retirement planning.

Retirement Planning Tips

Start Early

The power of compounding works best over long periods. Starting even 5 years earlier can significantly reduce your required monthly investment.

Step-up SIPs

Increase your SIP amount by 8-10% annually as your income grows. This helps you reach your retirement goals faster without feeling the pinch.

Diversify

Don't put all your retirement savings in one basket. Mix equity, debt, and other asset classes based on your risk tolerance and time horizon.