Retirement Calculator
Corpus needed for retirement and the monthly saving required.
Enter your details
How it is calculated
Corpus = Σ [12 × expense at retirement × (1 + inflation)k ÷ (1 + post-retirement return)k] for k = 0 … years in retirement − 1.
Required monthly saving = (Corpus − existing savings grown at the pre-retirement return) ÷ [Σ (1 + im)months left], where im is the equivalent monthly return.
Worked example
Age 30, retire at 60, plan to 85, ₹50,000 monthly expenses, 6% inflation, 10% before and 7% after retirement, ₹5 lakh saved: expense at 60 ≈ ₹2.87 lakh a month, corpus needed ≈ ₹12 crore, with the calculator showing the monthly saving needed to get there.
About the Retirement Calculator
Corpus needed for retirement and the monthly saving required. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for current age, planned retirement age, plan until age, monthly expenses today, expected inflation (p.a.), return before retirement (p.a.) and a few more details. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
Why is the corpus so large?
Because inflation compounds. ₹50,000 a month today becomes about ₹2.9 lakh a month in 30 years at 6% inflation. That is why starting early and stepping up savings matters.
Should I include my EPF, PPF and NPS?
Yes. Add their expected value to "Existing savings", or reduce the target by the pension you expect, so you do not over-save.
How reliable is this?
It is a planning aid built on assumptions about inflation and returns. Review it every year and consult a qualified financial planner for personal advice.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.