Retirement Calculator
Estimate your retirement corpus & monthly SIP using inflation-adjusted, real-world financial formulas.
Post-Retirement Assumptions
Understanding Your Retirement Plan
Planning for retirement is important because the cost of living increases every year due to inflation. For example, a monthly expense of ₹25,000 today might become ₹75,000–₹1,00,000 by the time you retire. This calculator helps you estimate how much money you will need in the future and how much you must invest every month to reach that goal.
📌 What Each Input Means
Current Monthly Expense: Your present monthly spending. It helps us project what the same lifestyle will cost in the future after inflation.
Years Until Retirement: The time left before you stop working. More years mean more inflation and higher future expenses.
Inflation Rate (Before Retirement): The yearly rise in prices until you retire. Even 6% inflation can double your expenses in 12 years.
Life Expectancy: The age until which you want to plan your money. This lets the calculator estimate how many years your retirement savings must support you.
Expected Return Before Retirement: The return you expect from your long-term investments such as SIPs, mutual funds, NPS, PPF, or equity.
Post-Retirement Inflation: Prices continue to rise even during retirement. This input helps estimate how much your expenses will increase every year after you stop working.
Post-Retirement Return Rate: The return your investments are likely to generate after retirement. This is usually lower than pre-retirement returns because most people shift to safer investment options.
📌 What the Results Tell You
Future Monthly Expense: The amount your current lifestyle will cost when you retire, adjusted for inflation.
Total Retirement Corpus Required:The total amount you must have at retirement so that your money lasts until your life expectancy. This is calculated using the Present Value of a Growing Annuity formula, which adjusts for post-retirement inflation and returns.
Monthly Investment Required: How much you need to invest every month starting today to achieve your required retirement corpus. This ensures you stay on track and avoid financial stress later.
This explanation ensures that anyone — whether a beginner or someone experienced in finance — can understand how the calculator works and use the results effectively to plan a secure retirement.
Disclaimer: This calculator provides general financial estimates based on the values you enter. Real-life financial requirements may vary depending on lifestyle, market conditions, and personal choices. For personalised guidance, consult a certified financial planner or investment advisor.
Frequently Asked Questions
1. What is retirement corpus?
Retirement corpus is the total amount you need at retirement so that you can cover all your expenses for the rest of your life without running out of money.
2. How does this calculator estimate my future expenses?
It adjusts your current monthly expense for inflation until your retirement age. This shows how much the same lifestyle will cost in the future.
3. How is the retirement corpus calculated?
This calculator uses the “Present Value of a Growing Annuity” formula, which considers post-retirement inflation and investment returns. This makes the estimation more accurate and realistic.
4. How much should I invest every month?
The monthly SIP amount is calculated using your required retirement corpus, expected returns before retirement, and years left to invest.