🎯 Retirement Calculator

Planning for Retirement

Retirement planning means building a corpus large enough to fund your living expenses once your regular income stops. Because inflation steadily raises the cost of living, the amount you will need decades from now is far higher than today's expenses — which is why starting early makes an enormous difference.

This calculator projects the corpus you need and how much to invest monthly to reach it, based on your current age, retirement age, monthly expenses, expected inflation and investment return. It grows today's expenses to their future value and then works out the savings required to fund them.

For example, a 30-year-old spending ₹40,000 a month today may need a corpus of several crores by age 60 once inflation is factored in — but starting a modest monthly SIP now, with compounding over 30 years, can realistically build it. Delaying by even 10 years can more than double the monthly amount required.

Key points to remember

• Starting early is the single biggest advantage in retirement planning.
• Factor in inflation — future expenses are much higher than today's.
• Review and step up your contributions as your income grows.

Frequently asked questions

It depends on your future monthly expenses, inflation and how long your retirement lasts — this calculator estimates it for your situation.

As early as possible. Compounding rewards time more than the amount you invest.