Retirement Calculator

Work out the retirement corpus you need to cover rising expenses until life expectancy, and the monthly SIP to build it.

About you

Current age

18 yr70 yr

Retirement age

30 yr75 yr

Plan until age

50 yr100 yr

Monthly expenses today

₹5,000₹5,00,000

Existing savings

₹0₹5,00,00,000

Assumptions

Inflation

0%12%

Return before retirement

1%20%

Return after retirement

1%15%

Yearly SIP step-up

0%20%

What you need

Corpus needed at retirement: ₹7.68 Cr
Monthly SIP to get there: ₹21,762
Monthly expenses at retirement: ₹2.87 L

Corpus during retirement

How it's calculated

Today's monthly expenses are raised by inflation to your retirement date.
The corpus is what it takes to pay those expenses, still rising with inflation, from retirement until life expectancy while the corpus earns the post-retirement return.
Existing savings grow until retirement; the SIP covers whatever is left.

Results are estimates. Returns are assumed constant, rates and tax rules can change, and your actual numbers will differ. This is not financial or tax advice.

Retirement Calculator

How it's calculated

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