Retirement Calculator
Find the corpus you need to retire and the monthly investment required to get there. 100% browser-based — your data never leaves your device.
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Assumptions
Required Retirement Corpus
6.82 Cr
at age 60
Monthly Investment Needed
19,509
for the next 30 years at 12% expected return
Future Monthly Expense
2.87 L
at age 60
Years in Retirement
25
till age 85
How the Numbers Move
Years to retire
30
Annual investment
2.34 L
Real (post-inflation) post-ret. rate
1.89%
Corpus / final annual expense
19.8x
Methodology & Sources
Future monthly expense at retirement = current expense × (1 + inflation)^years_to_retire. Required corpus is the present value of an inflation-adjusted annuity over the retirement years, discounted at the real post-retirement rate (1 + post) / (1 + inflation) − 1. Monthly SIP uses the standard future-value-of-annuity formula at the pre-retirement rate.
Defaults — inflation 6%, pre-retirement return 12%, post-retirement return 8%, life expectancy 85 — follow standard Indian financial planning conventions (RBI long-run CPI band ~4-6%, equity-tilted vs debt-tilted portfolio assumptions, SRS/UN life-expectancy outlook for upper-income Indians). Adjust to match your own situation.
Calculations are indicative. Real-world outcomes depend on actual returns, inflation, taxes, and lifestyle changes.