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Retirement Calculator

Plan your retirement corpus and track progress

Last Updated: July 2026
Your current age
Age you want to retire
Current monthly living expenses
EPF, PPF, NPS, mutual funds
Amount invested monthly for retirement
Expected annual return on investments
Expected annual inflation
Retirement Corpus Needed
—
To sustain lifestyle
Corpus at Retirement
—
Projected savings
Status
—
On track or shortfall

Retirement Corpus Projection

Yearly Projection

YearCorpusTargetProgress

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What Is a Retirement Calculator?

A Retirement Calculator helps you determine how much corpus you need to sustain your lifestyle after retirement, accounting for inflation and life expectancy. It projects your savings growth and shows whether you are on track or have a shortfall.

Most Indians underestimate retirement needs. At 6% inflation, ₹50,000 monthly expenses today will cost ₹2.87 lakh per month after 30 years. This calculator factors in inflation to give you a realistic retirement target.

Frequently Asked Questions

How much retirement corpus do I need?
A common rule is 25x your annual expenses (4% withdrawal rule). If you spend ₹50,000/month (₹6L/year) today, at 6% inflation after 30 years you will need ₹34.8L/year, requiring ₹8.7 crore corpus.
When should I start saving for retirement?
As early as possible. Starting at 25 vs 35 can double your retirement corpus due to compounding. Even small amounts invested early grow significantly. Aim to invest 20-30% of income from your first job.
What is the best investment for retirement?
A mix of equity (mutual funds, NPS Tier 1), debt (PPF, EPF), and some gold. Young professionals (20s-30s) should have 70-80% equity. As you approach retirement, shift to debt for stability. NPS offers tax benefits.
How does inflation affect retirement?
Inflation erodes purchasing power. At 6% inflation, ₹50,000 today will cost ₹2.87 lakh after 30 years. Your retirement corpus must account for inflation to maintain lifestyle. This is why equity investments (beating inflation) are crucial.
Can I retire early (FIRE)?
Yes, with aggressive saving (50-70% of income) and disciplined investing, you can achieve financial independence by 45-50. Use the FIRE calculator to plan early retirement. The key is starting early and maintaining high savings rate.

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