How much do you need to retire? This calculator answers it with adjustable inflation, separate pre-retirement and post-retirement returns, and the monthly SIP needed to bridge any gap. Built for Indian retirees with realistic life-expectancy and inflation defaults.
In today's rupees
India long-term avg: 6-7%
When you can take risk
Conservative debt
EPF + PPF + NPS + MFs
Corpus needed
₹9,17,12,957
At age 60
Monthly SIP needed
₹21,098
For 30 years
Expense at retirement
₹3,44,609
Inflated for 30 yrs
Years to retire
30 yr
Years post-retire
25 yr
Existing savings @ 60
₹1,79,74,821
Grown @ 12%
How the corpus is built
Retirement planning is sensitive to small changes in assumptions - a 1% lower inflation or higher return changes the corpus by millions. Re-run with conservative numbers if you'd rather over-save than under-save.
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Retirement planning in India is harder than it looks because four variables stack against you: long life expectancy (an Indian who reaches 60 has a 50% chance of living past 80), persistent inflation (6-7% headline, higher for medical and lifestyle), no defined-benefit pension for most private-sector employees, and lifestyle creep that quietly raises the real cost of retirement year after year. Get any one of these wrong and the corpus that seemed enough at 60 runs out at 78.
This calculator combines all four into a single computation. It inflates your current monthly expense forward to your retirement age, computes the corpus needed to fund 20-30 years of post-retirement expenses (with annual indexation), subtracts what you've already saved, and back-solves the monthly SIP required at your pre-retirement expected return. The output is the single most important number in your financial plan: your monthly retirement contribution.
Enter your current age, planned retirement age and life expectancy.
Estimate your monthly expenses today (in current rupees).
Set the inflation rate (6-7% is realistic for India).
Set the expected return before retirement (when you can take more risk) and after retirement (more conservative).
Add anything you have already saved for retirement.
Read the corpus needed and the monthly SIP required to reach it.
The calculator first inflates today's monthly expense forward to the year you retire - that becomes your retirement-day need. It then computes the lump sum required to fund those inflated expenses for your full post-retirement life, using the real return (post-retirement return − inflation). Finally, it calculates the monthly SIP needed to grow your existing savings into that corpus at your pre-retirement return rate.
InflatedExpense = Today × (1 + i)^t1 ; Corpus = AnnualExpense × [1 − (1 + r_real)^−t2] / r_real ; SIP = Gap × r / [(1 + r)^n − 1]
Two-rate modelling matters. Before retirement, with a 20-30 year horizon, you can keep 60-80% in equity for an expected blended return of 11-12%. After retirement, with a much shorter window, capital preservation matters more - most retirees move toward 30-40% equity / 60-70% debt for an expected blended return of 7-8%. Using the same rate before and after retirement either understates the corpus needed (if pre-retirement is conservative) or overstates the corpus's longevity post-retirement.
The 'real return' concept is critical. Real return = (1 + nominal) / (1 + inflation) − 1, not just nominal − inflation. At 8% nominal and 6% inflation, real is 1.89%, not 2%. The calculator uses the exact compound formula. The lower the real return, the bigger the corpus needed - which is why high-inflation, low-rate environments are unforgiving for retirees.
Sequence-of-returns risk is the under-appreciated danger of any retirement plan. If markets drop 30% in your first two years post-retirement, even a corpus built for a 25-year retirement at average returns can run out 5-7 years early. The classic protection: keep 2-3 years of expenses in liquid/debt as a buffer to ride out drawdowns without selling equity at lows.
Inflated retirement expense at 6% inflation: ₹2,14,594/month. Corpus needed for 25 years post-retirement at 7% nominal / 6% inflation: roughly ₹4.3 crore. With ₹0 starting savings and a 25-year SIP at 11% expected return: monthly SIP ≈ ₹26,500. With a 5% step-up SIP, the same corpus is achievable with about ₹14,000 starting SIP.
Inflated need at 60: ₹2,40,000/month. Corpus needed: roughly ₹4.85 crore. With 15 years to retirement and ₹50 lakh already saved, monthly SIP needed at 11% expected return: ₹83,000. The shorter time horizon plus the higher starting expense pushes the required SIP much higher than the 35-year-old example - illustrating the punishment for late starts.
A common rule of thumb is 25-30 times your annual expense at retirement. The exact number depends on inflation, post-retirement return and life expectancy - this calculator computes it precisely for your numbers.
India's long-term consumer inflation has averaged 6-7%. Healthcare inflation is higher, around 10%. If a big share of your post-retirement expense will be medical, model it at 7-8%.
Before retirement you have decades - you can take equity risk for 11-12% returns. After retirement, capital preservation matters more - most retirees move to debt/hybrid for 7-8% returns. Modelling separately gives a more realistic plan.
Yes. EPF, PPF, NPS, mutual-fund corpus, FDs and any equity investments earmarked for retirement all count. Don't include real estate or your primary home unless you plan to liquidate it.
Three levers: extend retirement age (huge impact), reduce post-retirement lifestyle, or increase pre-retirement return (with risk). A 5-year delay can cut the required SIP by 30-40%.
Not directly. If you expect EPS pension, NPS annuity, or rental income post-retirement, subtract that yearly amount from your inflated expense before re-running the calculator.
Indian financial products - home loans, fixed deposits, mutual funds, NPS, insurance - each carry their own quirks: monthly reducing balance vs flat-rate interest, quarterly vs monthly compounding, indexation on capital gains, the choice between the old and new tax regime. We design every finance calculator to use the formula that an Indian bank, AMC, or insurer would actually use, and to surface the assumptions in plain English so you can audit the result against your own statement.
Use this calculator alongside the EMI, SIP and inflation calculators to plan your money holistically. A standalone EMI number means little until you compare it with your in-hand salary, your existing debt-to-income ratio, and the impact of inflation on the real cost of the loan. The related-tool grid below makes it one click to chain these analyses together.
The Retirement Calculator is part of the Finance suite on Online Calculator Tools, alongside 6 related calculators. All tools share the same UI patterns, the same privacy-first rendering (nothing is sent to a server), and the same commitment to showing the formula and assumptions behind every result.
