Retirement Calculator
Estimate the corpus needed for retirement and the monthly investment required under your assumptions. Calculations stay in your browser.
Your Profile
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.