Retirement Calculator
See how inflation lifts future expenses, how large a corpus supports your retirement years, and what monthly SIP could close the gap from today — using growth and inflation assumptions you control.
Inputs
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Total retirement corpus required (est.)
Year-by-year expense projection (to retirement)
| Year | Monthly expense | Annual expense |
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Retirement planning — concepts
The 25× rule: If you expect to withdraw about 4% of your corpus in the first year of retirement, needing roughly 25× your first year’s annual expenses is a quick cross-check. Real life adds taxes, medical shocks, and return variability — use it as a conversation starter, not a guarantee.
Why many Indians underestimate needs: Longevity is rising, medical inflation often runs ahead of CPI, and lifestyle costs do not always shrink after work. Building a buffer beyond the minimum spreadsheet number reduces the risk of outliving assets.
Inflation compounds on expenses: Even 6% inflation doubles costs in ~12 years. That is why “₹50,000/month today” becomes a much larger number at age 60 — the calculator shows that explicitly in the table.
Start early: Pre-retirement returns apply to both your existing corpus and a disciplined SIP. More years mean more compounding cycles before you switch to a typically lower post-retirement allocation (this tool lets you set both return levels separately).
Balance today vs tomorrow: Not every rupee must go to retirement — but knowing the SIP required helps you decide what is sustainable after non-negotiable goals and emergency funds.
Math note: Corpus here is the present value at retirement of annual expenses that grow with inflation, discounted at your post-retirement return — a standard inflation-indexed annuity model. Actual sequencing risk, fees, and taxes are not modeled.
Frequently asked questions
What is the 25× rule shown on the page?
It is a rough cross-check: about twenty-five times first-year annual retirement expenses if you assume roughly a four percent first-year withdrawal rate. Real portfolios need buffers for taxes, fees, and volatility.
Is the corpus number guaranteed if I follow the SIP?
No. Returns and inflation are assumptions only. Markets fluctuate and life events change spending—revisit the plan regularly.
Why is my required SIP very high?
A short horizon to retirement, high future expenses, low assumed pre-retirement return, or starting from zero savings all raise the monthly savings needed to hit the corpus target.
Does this include pension, rental, or part-time income?
No. Reduce expense inputs or mentally offset other income streams when interpreting the corpus and SIP.
Does the currency dropdown change the mathematics?
No—it only formats amounts. Enter figures in the currency you are modeling.
Are my financial inputs uploaded?
No. Projections run locally in your browser.