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Retirement Planner

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Calculate retirement corpus needed and monthly savings required

years
years
years
₹50 thousand
₹
%
%
₹5 lakh
₹
Everything set aside for retirement: FD, mutual funds, EPF, PPF…
Corpus needed at retirement
₹4,77,86,697
Four Crore Seventy Seven Lakh Eighty Six Thousand Six Hundred Ninety Seven Rupees
Monthly expenses at retirement
₹2,87,175/ month
Future value of current savings
₹87,24,701
Shortfall
₹3,90,61,995
Years to retirement
30years
Monthly SIP needed to meet goal
₹17,280/ month
You need about ₹4.78 crore at age 60 to cover your expenses until age 80, with expenses rising at 6% a year and the money earning 10%.
How the corpus is covered

Runs entirely in your browser. Nothing you type or upload is sent to us or stored.

Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use

How to Use

  1. Enter your Current age, Retirement age and Life expectancy.
  2. Enter your Current monthly expenses. This is the lifestyle you want to keep up after you retire.
  3. Set the Expected inflation rate (6% by default) and the Expected return on investment (10% by default).
  4. Enter your Current savings / investments: FDs, mutual funds, EPF, PPF and so on.
  5. The corpus you need, your shortfall and the monthly SIP to cover it change as you type. Tap pdf to save the plan.

The three parts of a retirement plan

  1. How much you need: the retirement corpus is your inflation-adjusted yearly expenses × the present value annuity factor for the years after you retire.
  2. What you already have: the future value of your current savings at the return you expect.
  3. The gap: the monthly SIP needed to build up the shortfall in the years left before retirement.

The 25x rule as a quick check

For a rough figure, aim to have 25× your yearly expenses saved by the time you retire. This comes from the 4% safe withdrawal rate: you can take out 4% of your corpus each year and it should last 30 years. Say your retirement expenses are ₹60,000 a month, or ₹7.2 lakh a year. You'd need at least ₹1.8 crore at today's prices, and more once inflation is added. The retirement planner above does that inflation maths for you.

Retirement corpus by lifestyle (in today's money)

LifestyleMonthly expensesCorpus needed (25× rule)
Frugal₹30,000₹90 lakh
Middle class₹60,000₹1.8 crore
Comfortable₹1,00,000₹3 crore
Affluent₹2,00,000₹6 crore

The number that matters most: real return

Real return is your investment return after inflation. If you earn 10% and inflation is 6%, your real return is about 3.77% (1.10 ÷ 1.06 − 1). That's how fast your corpus really grows once rising prices are taken into account. The calculator uses this rate to work out how the corpus runs down after you retire.

Frequently Asked Questions

About 15% of your gross income, starting with your first job. That's a widely used rule. If you start late (after 35), raise it to 20–25%. The 25× rule says build up 25 times your expected yearly retirement expenses. Inflation makes the target bigger than it feels: ₹1 lakh of monthly expenses today becomes ₹3.2 lakh a month after 20 years at 6% inflation. Starting early lets compounding do most of the work.

6% for general expenses, which is roughly India's average CPI over the past decade. Use 8–10% for healthcare, because medical inflation keeps running higher. If your plan also covers your children's education, use 8% for that. Erring on the high side is safer: a higher estimate means you save more and are less likely to run out of money.

Only loosely. The 4% rule comes from the Trinity Study, which found a diversified portfolio could support 4% yearly withdrawals over 30 years. That work was based on US markets. India has higher inflation and a shorter market history, so 3–3.5% is a safer withdrawal rate here. In practice, keep 2–3 years of expenses in liquid assets (FDs, savings account) and invest the rest in a mix of equity and debt.

Yes. EPF, PPF, NPS and your other long-term savings all count towards your retirement corpus. Add up their current value and enter it in the 'Current savings / investments' field. The calculator projects how much they'll grow to, so the shortfall you see is realistic and not based on market investments alone.