INVEST · CALCULATOR
Retirement Calculator
How big a retirement corpus you need, and the monthly SIP that gets you there.
Breakdown
Growth over time
Year by year
How this is calculated
Expenses are inflated to retirement. The corpus must fund those (still rising with inflation) for every year of retirement, earning the post-retirement return.
What the letters mean: E = monthly expense today × 12 × (1 + inflation)^years to retire; N = years in retirement; real return = (1 + post-retirement return) ÷ (1 + inflation) − 1. Corpus = E × [1 − (1 + real return)^−N] ÷ real return × (1 + real return).
Timing: SIPs are paid at the start of each month until retirement; yearly expenses are taken at the start of each retirement year.
Default values: Current age: 30 yrs · Retirement age: 60 yrs · Life expectancy: 85 yrs · Monthly expenses today: ₹50,000 · Inflation: 6 % · Return before retirement: 12 % · Return after retirement: 7 % · Retirement savings you already have: ₹0
Results are estimates, not investment or tax advice. Real returns go up and down; interest rates, taxes and charges change the actual amount. Please check with a CA or the income tax portal before filing.