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Home›Calculators›Retirement Calculator
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Retirement Calculator

Calculate corpus needed and monthly SIP to retire comfortably

30 yrs
20 yrs55 yrs
₹50,000
₹10,000₹5,00,000
6%
3%12%
12%
6%18%
Monthly Expenses at 60₹2,87,175
Retirement Corpus Needed₹6,89,21,894
Monthly SIP Required₹19,525
Total Investment₹70,29,033
Invested (10%)
Returns (90%)

What is Retirement Calculator?

A retirement calculator helps you determine how much money you need to save by the time you retire to maintain your current lifestyle. It accounts for inflation (which erodes purchasing power), investment returns, and your retirement duration. In India, with rising life expectancy, you may need your corpus to last 25–30 years post-retirement. Starting early and investing in equity-heavy funds through SIP is the most reliable path to retirement security.

📐 Formula Used

Future Monthly Expenses = Current Monthly × (1 + inflation)^years
Retirement Corpus Needed = Future Monthly × 12 × retirement years
Monthly SIP = Corpus × r / ((1+r)^n – 1) / (1+r)

📖 How to Use

Enter your current age, monthly expenses, expected inflation, and investment return. The calculator shows the retirement corpus you need and the monthly SIP required to build it.

Frequently Asked Questions

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