Your age today.
Age you plan to stop working.
Age the money should last until.
What you spend each month now.
Your own assumption. RBI's target is 4% (±2%).
Your own assumption, not a promised or guaranteed return.
Your own assumption, not a promised or guaranteed return.
Quick examples
To fund ₹2,87,175/month (today's ₹50,000) from age 60 to 85.
What each result means
Monthly expenses at retirement
What it is: Today's expenses grown at your inflation rate.
Your value: ₹2,87,175
What the same lifestyle may cost then.
Corpus needed
What it is: Money needed on retirement day to fund inflation-rising expenses until your plan-until age.
Your value: ₹7,71,48,478
The headline target.
Monthly SIP needed
What it is: Monthly investment from today to reach the corpus.
Your value: ₹21,856
At your pre-retirement return.
Years to invest / years in retirement
What it is: Working years left and retirement years funded.
Your value: 30 / 25
More working years lowers the SIP.
Year-by-year breakdown
| Year | Invested this year (₹) | Total invested (₹) | Estimated growth (₹) | Value at year end (₹) |
|---|---|---|---|---|
| 1 | ₹2,62,268 | ₹2,62,268 | ₹17,688 | ₹2,79,956 |
| 2 | ₹2,62,268 | ₹5,24,535 | ₹70,882 | ₹5,95,417 |
| 3 | ₹2,62,268 | ₹7,86,803 | ₹1,64,084 | ₹9,50,887 |
How to read this: each row is one working year. The value column shows how the monthly SIP could build toward the corpus at your assumed return.
Showing the first 3 of 30 years. Want charts, formulas and the full schedule? Get the detailed PDF.
What this calculator does
This calculator inflates today's monthly expenses to your retirement date, works out the lump sum needed on that day to pay rising expenses until your plan-until age, and then the monthly SIP that could build it.
What your result means
The corpus and SIP are what the numbers show under your assumptions. Small changes in inflation or return change the answer a lot, so try several presets.
Formula
1. Expenses at retirement
Symbols
- E
- Monthly expenses today (₹)
- inf
- Inflation (decimal)
Worked example
₹50,000 at 6% for 30 years ≈ ₹2,87,175 a month.
2. Corpus needed (growing annuity, paid at the start of each year)
Symbols
- N
- Years in retirement = plan-until age − retirement age
- r_post
- Return after retirement (decimal)
Why this formula works
Each retirement year's spending rises with inflation and is discounted back to retirement day at the post-retirement return.
3. SIP needed for a target
Symbols
- i
- Monthly return = annual ÷ 12 (decimal)
- n
- Months
Why this formula works
It reverses the future-value-of-SIP formula: the monthly amount that grows to the target.
Unit check
₹ = ₹ ÷ (pure ratio). ✓
Common mistakes
Using the annual rate as the monthly rate. Forgetting to inflate the goal to its future cost.
Working for your numbers
- E_r = ₹50,000 × 1.060^30 = ₹2,87,175/month
- Corpus = Σ over 25 years of 12 × E_r grown at 6% and discounted at 7% = ₹7,71,48,478
- SIP factor at 12% for 360 months = 3529.9138
- SIP = ₹7,71,48,478 ÷ 3529.9138 = ₹21,856
Frequently asked questions
Why is the corpus so large?
Expenses keep rising with inflation for every year of retirement, and the corpus must fund all of them.
Is the return on this page guaranteed?
No. Every rate here is your own assumption. Market-linked results go up and down; this page shows what the numbers give under your assumptions, not a promise.
When should I talk to a professional instead?
Before a real decision, especially a large or long-term one, speak to a SEBI-registered investment adviser or a qualified professional. This page is educational only.
Symbols and assumptions
- A / RA
- Current / retirement age
- E
- Monthly expenses today (₹)
- inf
- Inflation
- r_pre / r_post
- Returns before / after retirement
- Inflation and returns are constant.
- Expenses for each retirement year are withdrawn at the start of that year.
- No pension, EPF or existing savings are counted.
- Does not account for taxes, fees, expense ratios or exit loads.
Sources and review
Reviewed 2026-09-29 · Next review 2027-09-29
Namaste! Did this Retirement Calculator help you?
Aapka ek click humein behtar banata hai. Just tap a star, no sign-in, no typing.
Frequently Asked Questions
Help others become financially literate
Found this Retirement Calculator useful? Share it with your friends and family!
Related Calculators
SIP Calculator
Project the future value of a monthly Systematic Investment Plan.
Lumpsum Calculator
Calculate the future value of a one-time investment.
Step-Up SIP Calculator
SIP with an annual percentage increase in investment.
SWP Calculator
Plan fixed monthly withdrawals from your investment corpus.
XIRR Calculator
Calculate returns for irregular cash flows.
CAGR Calculator
Calculate the point-to-point annualized growth rate.
How it works
Calculates the future value of your expenses and the corpus needed to fund them.
The formula
Corpus = Future Expense / Safe Withdrawal Rate- E
- Current Expenses
- I
- Inflation Rate
Worked example
₹50k monthly expense today needs ~₹5Cr corpus in 30 years.
Pro tips
- Account for medical inflation specifically.
Common mistakes
- Underestimating life expectancy.
Go deeper
Related lessons
Concepts to explore
Related guides
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.