Retirement Calculator
Find the corpus you'll need to retire — and the monthly SIP to build it.
₹7,21,01,382
to sustain your lifestyle from age 60 to 85.
How the Retirement Calculator works
This calculator estimates the retirement corpus you'll need so your savings can fund your lifestyle after you stop working — accounting for inflation before and during retirement — then tells you the monthly SIP to build it.
It inflates today's expenses to your retirement date, then works out a corpus large enough to pay rising expenses through your expected lifespan while the corpus keeps earning returns.
Frequently asked questions
How much do I need to retire in India?+
It depends on your expenses, inflation and how long you'll live. This calculator personalises it, but a common rule of thumb is 25–30× your annual expenses at retirement.
Why does inflation matter so much for retirement?+
Over 25–30 years, inflation multiplies your expenses several times over. Ignoring it badly underestimates the corpus you need.
What is the monthly SIP figure?+
It's how much you'd need to invest every month (at your pre-retirement return) to build the required corpus by your retirement age.
Should returns before and after retirement differ?+
Usually yes — before retirement you can take more equity risk (higher return); after retirement portfolios are more conservative (lower return), which this calculator lets you set separately.