Finance · Investment
Retirement Calculator
Estimate the retirement corpus you may need after inflation on today’s expenses — with growth over time.
Your retirement plan
1,000 – 10 Lakh
Estimated corpus needed
—
Growth over time
Future expense vs corpus needed by year
How this calculator works
Retirement planning starts with one honest question: what will today’s expenses look like when you stop working? This calculator inflates your current monthly spend to retirement age, then estimates a corpus that could support that spend at an assumed withdrawal/return rate.
It is a planning sketch — not a certified financial plan. Longevity, healthcare, and pension income all change the real number.
- Enter current age and target retirement age.
- Enter today’s monthly expenses (₹1,000 – ₹10 Lakh).
- Set expected inflation and post-retirement return (or safe withdrawal rate).
- See future monthly expense, corpus needed, and growth over time — results update live.
Formula
years = retirement_age − current_age
future_monthly = expense × (1 + inflation/100)^years
corpus = future_monthly × 12 / (return_rate/100)
(perpetuity-style estimate)
Examples
More about this calculator
Practical use cases
Salaried professionals in their 30s–40s setting a first retirement target number.
Common mistakes
Ignoring healthcare inflation, or assuming you will spend exactly the same lifestyle forever.
Tips
Recalculate every few years as income, dependents, and goals change.
Important notes
Illustrative perpetuity model. A 4% rule would use 4% instead of a higher return/withdrawal rate for a more conservative corpus.
FAQs
It is a simple perpetuity model: corpus × rate ≈ annual expense. A 4% rule would use 4 instead of 10 — more conservative.
Yes if you will still pay rent or society maintenance. Build a realistic expense list before trusting any corpus number.
How future annual expenses and the corpus needed climb as years to retirement increase under your inflation and rate assumptions.