Retirement Calculator
Current Age
Retirement Age
Life Expectancy
Current Monthly Expense
Inflation Rate
Post-Retirement Return
Pre-Retirement Return
Retirement Planning Summary
Future Monthly Expense
₹ 2,87,175
Corpus Required at Retirement
₹ 7,83,95,346
Monthly Investment Required
₹ 25,445
How Retirement Corpus Is Calculated
The calculator inflates current expenses to retirement year, then estimates corpus required and SIP needed to build it.
Required Corpus depends on inflation-adjusted expense and post-retirement real return
Future Expense = Current Expense * (1 + inflation)^years
Corpus is calculated using inflation-adjusted post-retirement return
Monthly investment is derived using SIP future value formula
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Disclaimer
This calculator provides indicative results based on your inputs and assumed rates.
Actual returns, tax liabilities, and outcomes can vary due to market movement, product terms, and regulatory changes.
Please consult a qualified financial advisor or tax professional before making financial decisions.
Frequently asked questions
1. What does a retirement calculator estimate?
It estimates corpus required at retirement and monthly investment needed today to build that corpus.
2. Why is inflation important in retirement planning?
Inflation increases future living costs, so retirement corpus must account for inflation-adjusted expenses.
3. What are pre- and post-retirement returns?
Pre-retirement return is assumed growth while building corpus, and post-retirement return is assumed growth during withdrawals.
4. Can this calculator replace full financial planning?
No. This is an indicative model and does not include healthcare shocks, taxation, or dynamic withdrawal strategies.
5. How often should retirement inputs be reviewed?
Review annually or after major life events to keep your plan aligned with income, goals, and market conditions.
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