Retirement Calculator
Calculate your retirement corpus target, project your savings, and find your monthly SIP requirement.
Your Profile
30 years
60 years
85 years
$50,000
6% p.a.
12% p.a.
7% p.a.
$500,000
$10,000
Corpus Required
$76,719,898
Monthly Expenses at Retirement
$287,175
Retirement Duration
25 years
Projected Corpus
$50,279,099
$14,979,961
$35,299,138
Shortfall
$26,440,799
Retirement Coverage
∞ (Self-sustaining)
Additional SIP Required
$7,490
About Retirement Calculator — India
Plan your retirement with inflation-adjusted corpus calculation, shortfall analysis, and SIP recommendations.
Inflation-Adjusted Retirement Planning
The biggest mistake in retirement planning is ignoring inflation. With India's average inflation at 5–7%, your purchasing power halves roughly every 10–12 years. This calculator adjusts your monthly expenses at retirement using compound inflation.
The corpus calculation uses real returns (post-retirement return minus inflation), giving you the actual corpus needed in today's terms translated to retirement-day purchasing power.
Shortfall Analysis and SIP Recommendation
If your projected corpus from existing savings + monthly SIP falls short of the required corpus, this calculator shows the exact additional monthly SIP you need to start today to bridge the gap by retirement.
The calculation uses the FV of annuity formula, ensuring the SIP recommendation is mathematically precise rather than a rough estimate.
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How much corpus do I need to retire in India?
A common rule of thumb is 25× your annual expenses (the 4% rule), but India's inflation rate of 5–7% requires a higher multiple. If your current monthly expenses are ₹50,000, at 6% inflation over 25 years to retirement, you will need roughly ₹3–4 crore corpus. This calculator uses the Present Value of Annuity formula with inflation adjustment to give you a precise target.
How does inflation affect retirement planning?
Inflation erodes purchasing power over time. With 6% inflation, today's ₹50,000 monthly expense becomes ₹1,60,357 after 20 years. The retirement calculator accounts for this using the real rate of return formula.
What is a realistic post-retirement investment return?
Post-retirement, most investors shift to conservative portfolios (debt funds, annuities, FDs). A realistic post-retirement return is 6–8% p.a. This calculator defaults to 7%, which is a reasonable blend of debt and equity income.