Goal planning calculator

Retirement Calculator

Corpus and SIP needed to retire comfortably. Adjust the sliders or type exact values — results update instantly.

Your inputs

Current monthly expenses

Current age

Expected retirement age

Life expectancy

Current savings

Inflation rate

Expected return rate

Return after retirement

Retirement amount required as per current expenses

₹10,32,42,067

≈ ₹10.32 Cr

Current savings value on retirement₹2,63,99,810
Additional savings required₹7,68,42,257

Additional saving required: ₹7,68,42,257
Achievable by a monthly SIP of: ₹11,830

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. PlusFinance distributes mutual funds as an AMFI-registered distributor (ARN-325664); figures shown on this site are illustrative and not a promise of returns. The return rate in this calculator is your own assumption, not a forecast.

How it works

How the Retirement calculator 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.

FAQ

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.

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