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FINANCE CALCULATOR

Retirement Calculator

The corpus you need to retire and the monthly SIP that gets you there, adjusted for inflation.

years
years
years
₹
% p.a.
% p.a.
% p.a.
₹
Monthly SIP needed₹17,51817.5 thousand
Corpus needed at retirement₹7,68,17,4537.68 crore
Monthly expenses at retirement₹2,87,1752.87 lakh

In 30 years, today's ₹50,000 a month will cost about ₹2,87,175 a month. Your current savings could grow to ₹1,49,79,961, leaving ₹6,18,37,492 to build.

How this is worked out

Your monthly expenses grow with inflation until you retire. The corpus has to pay those expenses at the start of every month, still rising with inflation, until the age you plan for, while the remaining money keeps earning the return after retirement. Your existing savings grow at the pre-retirement return, and the rest is met by a monthly SIP.

All of these are assumptions: small changes in inflation or returns move the result a lot, so try a few. See also the NPS calculator and goal calculator.

Estimates only, not financial advice. Your bank's or fund's actual figures can differ (rounding, fees, taxes, date conventions). Calculated in your browser; nothing you enter is sent anywhere.