Retirement Calculator
Plan your retirement corpus and monthly savings needed for a comfortable retirement.
Yr
18 Yr
60 Yr
Yr
40 Yr
70 Yr
Yr
60 Yr
100 Yr
₹
₹10,000
₹5,00,000
%
1%
15%
%
1%
20%
%
1%
15%
Your Retirement Plan
Years to Retirement
30
Retirement Duration
25 Years
Monthly Expense at Retirement
₹2,87,175
Required Corpus
₹5.2 Cr
Monthly SIP Required
₹14,847
Start investing ₹14,847 monthly to build a corpus of ₹5.2 Cr by age 60.
Key Calculation Factors
Inflation Impact:
Your ₹50,000 today will need to be much higher at retirement due to inflation.
Corpus Calculation:
The corpus must sustain withdrawals for 25+ years while beating inflation.
SIP Calculation:
Monthly SIP is calculated using the future value of annuity formula.
📋 Retirement Planning Tips
- 1. Start early - time is your biggest asset due to compounding
- 2. Account for healthcare costs which increase with age
- 3. Consider both EPF/PPF and equity investments for diversification
- 4. Review and increase SIP annually as income grows
- 5. Build an emergency fund separate from retirement corpus
Calculation Method
1. Future Monthly Expense:
FME = Current × (1 + inflation)years
2. Required Corpus:
Present value of annuity for retirement years
3. Monthly SIP:
PMT to achieve corpus via SIP formula