How much you need at retirement, and the monthly SIP that gets you there
Estimates only, not financial advice. What you type stays on your device. Updated on 24 Oct 2026.Retirement needs a number rather than a feeling, and the common rule of thumb is about 25 times a year's spending. This works that target out from your own expenses and inflation, then the monthly investment that would reach it in time.
Set "Your age", "Retire at" and "Plan up to age".
Pick a monthly expense chip or set "Monthly expenses today".
Set "Savings already put aside for retirement", including EPF, PPF and NPS.
Adjust "Inflation", "Return until retirement" and "Return after retirement" if your assumptions differ.
Read the "Corpus needed at" your retirement age and the "Monthly SIP needed", then press Share result.
The retirement calculator estimates the fund you need on the day you retire and the monthly SIP that builds it. Enter your age, the age you plan to retire, the age to plan up to, your monthly expenses today, the inflation you expect, and the returns you expect before and after retirement. Money you have already saved counts towards the target.
At 6% inflation, ₹50,000 a month today becomes about ₹2,87,175 a month in 30 years. Paying that, rising with prices every year, from 60 to 85 with the fund earning 8% needs about ₹6.5 crore at 60. With ₹5 lakh already saved and growing at 12%, the rest takes a SIP of about ₹13,318 a month.
How it is worked out, in plain text. Expenses at retirement = today's expenses × (1 + inflation)^years to retirement. In retirement, expenses are paid at the start of every month and rise with inflation once a year. The corpus needed is the sum of every month's expense divided by (1 + post-retirement return ÷ 12)^months from retirement: the amount that, invested, pays each expense and runs out at the last one. Your savings grow at the pre-retirement return ÷ 12 each month. The monthly SIP, paid at the start of each month, = shortfall ÷ [((1 + i)^N − 1) ÷ i × (1 + i)], with i the monthly return and N the months to retirement.
Returns, inflation and lifespan are all guesses; plan to a later age than you expect and review every year. Tax, pensions and big one-off costs are not included. Everything runs in your browser. Estimates only, not financial advice.
Sources: the standard present-value and future-value formulas for annuities; SEBI and AMFI investor education material on retirement planning with mutual funds; official consumer price inflation published by MoSPI for choosing an inflation rate.
Enough to pay your expenses, rising with prices, every month from retirement to the age you plan for. With ₹50,000 a month today, 6% inflation, retirement at 60 and a plan to 85 with the fund earning 8%, the calculator estimates about ₹6.5 crore at 60.
Your monthly expenses are grown by inflation to your retirement age. The corpus is the present value, on the day you retire, of every monthly expense until your chosen age, with expenses rising once a year and the fund earning the post-retirement return. Spent that way, the fund runs out at the last month.
Take the corpus needed, subtract what your current savings will grow to by then, and find the monthly SIP that grows to the rest at your expected return. The calculator shows this figure and a chart of the fund building up and then being spent.
After retiring, most people move money into safer investments such as deposits, debt funds and annuities, because they cannot wait out a market fall. Safer investments usually earn less, so the calculator lets you use a separate, lower return for those years.
Plan to a later age than you expect to live, such as 85 or 90, because running out of money is worse than leaving some behind. Each extra year adds to the corpus needed; you can move the slider and see by how much.
Only if you add them. Enter the retirement savings you already have, including EPF, PPF or NPS balances, as existing savings. A pension you expect to receive can be taken off your monthly expenses. Tax is not included.
Formula only: no rates or limits are read from an official source.
Still stuck? Ask about Retirement Corpus Calculator and anybody who knows can answer. No account needed.
Also works as: Retirement Planning Calculator.
Same job, other tools: Step-up SIP Calculator – See how raising your SIP every year changes the final corpus · US Inflation Calculator – US inflation between any two years since 1913: price change, yearly rate and dollar value.
On the related tools: ROI Calculator – Return on investment as a total percentage and as a yearly (annualised) rate.
In the collection Investment Calculators.