Retirement Calculator
How big a retirement corpus you need for your monthly expenses, and the monthly SIP to get there.
How to use the Retirement calculator
- Enter current age, retirement age, plan until age, monthly expenses today, inflation, return before retirement, return after retirement and savings already for retirement.
- Read the monthly SIP needed at the top of the result, with corpus needed at retirement, monthly expenses at retirement, current savings will grow to underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
Inflates today's expenses to your retirement date, works out the corpus that pays those inflation-rising expenses until your planning age, and finds the SIP to build it.
Worked example
With current age of 32, retirement age of 60, plan until age of 85, monthly expenses today of ₹50,000, inflation of 6%, return before retirement of 11%, return after retirement of 7% and savings already for retirement of ₹5,00,000:
| Monthly SIP needed | ₹25,858 |
| Corpus needed at retirement | ₹6,75,20,140 |
| Monthly expenses at retirement | ₹2,55,584 |
| Current savings will grow to | ₹92,89,951 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How much money do I need to retire in India?
It depends on expenses, inflation and how long you plan for. The calculator works it out from your own numbers rather than a rule of thumb.
What return should I assume after retirement?
Lower than before, because most of the corpus moves to safer assets. 6–8% is a common planning range.