Retirement Calculator
| Age | Annual expense | Returns | Corpus end | Monthly |
|---|---|---|---|---|
About the Retirement Calculator
A retirement calculator works out two things: the corpus you will need to maintain today's lifestyle after retirement (adjusted for inflation), and the monthly investment required to build that corpus by the time you retire.
Enter your current monthly expenses, years to retirement, expected inflation and investment return, and it estimates both the target corpus and the monthly SIP to reach it.
Frequently asked questions
How is the retirement corpus calculated?
It inflates your current annual expenses to their value at retirement, then divides by a safe withdrawal rate to find the corpus that can sustain them. The monthly investment is the SIP needed to build that corpus at your expected return.
Why does inflation matter so much for retirement?
Because prices keep rising, the same lifestyle costs far more decades from now. At 6% inflation, expenses roughly double every 12 years — so a corpus that ignores inflation will fall badly short.
What is a safe withdrawal rate?
It is the percentage of your corpus you withdraw each year in retirement without exhausting it too soon. A commonly cited figure is around 4%, but the right rate depends on your return, longevity and spending.
When should I start saving for retirement?
The earlier the better — compounding rewards time more than amount. Starting in your 20s versus your 30s can mean a far smaller monthly investment for the same corpus, because the money has longer to grow.
Does this calculator account for my existing savings?
It estimates the monthly investment assuming you start from zero. If you already have a retirement corpus, the actual amount you need to add each month will be lower.