How This Works
This calculator estimates the total corpus you’ll need at retirement to sustain your current monthly expenses — adjusted for inflation between now and your retirement age, and further adjusted for the years you’ll need to draw from it after retiring.
It also nets off the future value of your current savings (grown at your pre-retirement return rate) against that required corpus, and works out the additional monthly SIP needed to close the remaining gap.
Frequently Asked Questions
How much corpus do I need to retire?
It depends on your current monthly expenses, how many years until you retire, inflation, your life expectancy, and the return you expect both before and after retirement. This calculator combines all of these into one estimate — there is no fixed "magic number" that applies to everyone.
What return rate should I assume after retirement?
Post-retirement portfolios are usually shifted toward safer, lower-volatility instruments, so a lower return assumption (commonly in the 6-8% range) is typical compared to the pre-retirement growth phase.
When should I start retirement planning?
Earlier is significantly better because of compounding — starting even 5-10 years earlier can substantially lower the monthly SIP required to hit the same retirement corpus.
Want This Tracked Automatically?
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