Retirement Calculator
Plan your retirement corpus with SIP and inflation adjustment.
Input Values
Yrs
Yrs
₹
%
%
Results
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⚠️ Results are indicative only. Consult a qualified professional before making any decisions.
What is this Calculator?
The Retirement Calculator helps you estimate the corpus you will accumulate by your retirement age based on your monthly SIP investments. It helps you understand if you are on track to retire comfortably and how much you need to invest every month.
How to Use
1
Enter Current Age & Retirement Age: Enter how old you are and when you plan to retire.
2
Enter Monthly SIP: Enter the amount you invest every month towards retirement.
3
Enter Return Rate: Enter the expected annual return on your investments.
4
Enter Inflation Rate: Enter the expected inflation rate (typically 5–6% in India).
5
View Results: See Years to Retire, Total Invested, and Estimated Retirement Corpus.
Frequently Asked Questions
A commonly used rule is to accumulate 25× your annual expenses at retirement (the 4% withdrawal rule). E.g., if your annual expenses at retirement will be ₹12 lakh, you need a corpus of ₹3 crore.
A mix of equity mutual funds (for growth), NPS (for tax benefit and pension), PPF (for tax-free guaranteed returns), and EPF (mandatory for salaried) is considered a good retirement portfolio.
Inflation erodes purchasing power — ₹1 lakh today may only be worth ₹45,000 in 15 years at 5% inflation. Your retirement corpus must be large enough to sustain expenses adjusted for inflation.
The 4% rule states that you can safely withdraw 4% of your retirement corpus annually and it should last for 30 years. E.g., a ₹3 crore corpus supports ₹12 lakh/year withdrawal.
The earlier, the better — thanks to compounding. Starting at 25 vs. 35 with the same monthly investment can result in 2–3× the final corpus due to 10 extra years of compounding.
NPS (National Pension System) is a good supplement to retirement savings — it offers market-linked returns, tax benefits under Section 80CCD(1B) (up to ₹50,000 extra over 80C), and a mandatory annuity on maturity.