Retirement calculator
How much you need to retire, and how much to invest each month.
Plan for a long life: 85–90 is prudent
₹40,000 (40 thousand) · Your current lifestyle cost, without loan EMIs that will be paid off
Usually lower: retirees move to safer investments
₹5,00,000 (5 lakh)
Invest each month
₹22,726
for 30 years to build ₹6,17,18,783
- Monthly expenses at 60
- ₹2,29,740
- Corpus needed at retirement
- ₹6,17,18,783
- Your current savings will grow to
- ₹99,18,700
- Shortfall
- ₹5,18,00,083
- Monthly investment needed
- ₹22,726
- From current savings: 16.1%
- Still to build: 83.9%
Expenses rise with inflation, are withdrawn at the start of each retirement year, and the rest keeps earning the post-retirement return. Pensions or rent income would lower the corpus you need. An estimate, not financial advice.
Processed in your browser. Nothing is uploaded.
How to plan for retirement
- 1
Enter your age, retirement age and the age to plan until.
- 2
Enter your monthly expenses today and expected inflation.
- 3
Set the returns before and after retirement, and your current savings.
- 4
See the corpus you need and the monthly investment to get there.
How much you need to retire
Retirement may last 25 years or more, during which your expenses keep rising with inflation while you have no salary. The calculator works out the corpus you need on the day you retire, what your current savings will grow to, and the monthly investment that closes the gap.
A retirement corpus calculator and retirement planning calculator: how much money do I need to retire?
How it’s calculated
- Your monthly expenses today grow with inflation until retirement. At 6% inflation, 40,000 a month becomes about 2.3 lakh a month in 30 years.
- During retirement, expenses keep rising with inflation each year and are paid from the corpus at the start of each year. The rest of the corpus keeps earning the post-retirement return until the age you plan for.
- Your current retirement savings grow at the pre-retirement return.
- The shortfall is converted into a monthly investment, made at the start of each month, until you retire.
Choosing sensible inputs
- Plan until age: 85–90. Running out of money at 80 is a far bigger problem than having some left.
- Inflation: about 6% in India, 2–4% in most Gulf countries; healthcare often rises faster.
- Returns: higher before retirement (for example 10–12% with equity investments), lower after (6–8%) as you move to safer options.
Pensions and other income
The calculator assumes your corpus pays all expenses. If you’ll receive a pension, annuity or rent, subtract that monthly amount from your expenses before entering them. Employer PF and gratuity can count towards your current savings.
Start early
Starting ten years earlier can roughly halve the monthly amount needed, because returns have longer to compound. See how inflation affects your plan with the inflation calculator, and explore retiring early with the FIRE calculator.
Frequently asked questions
How much money do I need to retire?
Enough to pay your inflation-adjusted expenses every year from retirement to the age you plan for. The calculator adds those years up, allowing for what the corpus keeps earning.
Why are my retirement expenses so much higher?
Inflation. At 6%, 40,000 a month today becomes about 2.3 lakh a month in 30 years.
What return should I assume after retirement?
Lower than while working, as retirees usually move to safer investments. 6–8% is a common assumption in India, less in low-inflation countries.
Does it include pensions?
No. Any pension, annuity or rental income reduces the corpus you need. Subtract it from your monthly expenses to account for it.