Retirement Calculator
Find the corpus you need to retire comfortably and the monthly SIP that gets you there, adjusted for inflation.
Corpus Needed at Retirement
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Monthly SIP Needed
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Monthly Expense at Retirement
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How the retirement calculator works
It grows your current monthly expense to your retirement age using inflation, sizes a corpus that can sustain those inflated expenses through your life expectancy (using an inflation-adjusted withdrawal), and then computes the monthly SIP needed to build that corpus at your expected pre-retirement return.
The cost of waiting
Because the SIP compounds for decades, starting even five years earlier can cut the required monthly contribution dramatically. If the SIP looks daunting, raise it gradually with a step-up SIP as your income grows.
Frequently Asked Questions
How much do I need to retire?
A common approach: estimate your current monthly expenses, grow them to retirement age using inflation, then multiply the annual figure by 25–30 (the inverse of a 3–4% safe withdrawal rate). This calculator does that and also shows the monthly SIP needed to get there.
Why inflate today's expenses?
₹50,000 of expenses today might cost ₹2 lakh a month in 30 years at 6% inflation. Planning with today's numbers badly underestimates the corpus you need, so we grow expenses to your retirement age first.
What is the safe withdrawal rate?
The corpus must outlast a long retirement, so you can only draw a sustainable slice each year — often assumed at 3–4%. A lower rate means a bigger corpus but more safety. This calculator uses your post-retirement return and inflation to size the corpus.
Is this a personalized retirement plan?
No. It is an educational estimate based on your assumptions. A real plan accounts for existing assets, pensions, EPF/NPS, healthcare, and changing goals. Treat the output as a starting target, not advice.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.