Retirement Calculator
Corpus you need to retire and the monthly SIP required to get there, adjusted for inflation.
About Retirement Calculator
How much corpus is required for retirement? This free retirement calculator for India answers that with inflation built in. Enter your current age, retirement age and life expectancy, your monthly expenses today and the expected inflation rate.
Set the expected return before and after retirement and any savings you already have, such as EPF, PPF or mutual funds. The calculator shows the corpus you will need at retirement and the monthly SIP required to build it. It is a quick starting point for retirement planning, including early retirement (FIRE) goals, and it runs in your browser.
How to use Retirement Calculator
- Enter your current age, retirement age and life expectancy.
- Enter today’s monthly expenses and expected inflation.
- Set returns before and after retirement and any savings you already have.
- Read the corpus needed and the monthly SIP to build it.
Frequently asked questions
How is the corpus worked out?
Today’s expenses are inflated to your retirement age. The corpus is the amount that, earning the post-retirement return, can pay that yearly expense — rising with inflation each year, withdrawn at the start of each year — until your life expectancy.
Why use a lower return after retirement?
Most retirees shift to safer debt-heavy portfolios, so 7–8% is a common assumption after retirement versus 10–12% while you are still investing in equity.
Does this count EPF, NPS or PPF?
Enter their current value under existing savings. Future contributions to them reduce the SIP you need.
How much corpus is required for retirement in India?
It depends on your expenses, inflation and years in retirement. As a rough guide, many planners suggest 25–30 times your annual expenses at retirement.
What is the retirement corpus formula?
Future annual expense = today's expense × (1 + inflation)^years to retirement; the corpus is the present value of those rising expenses over your retirement years at the post-retirement return.
Can I use this for early retirement?
Yes. Set a lower retirement age and a longer life expectancy to see the larger corpus FIRE needs.
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