Calcyuncle EMI Calculator

Retirement Calculator

Work out how big a retirement fund you need to cover rising expenses for the rest of your life, how far your current savings will go, and the monthly SIP that closes the gap.

Your plan

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Year-by-year

Building Your Retirement Corpus

Your savings plus the monthly SIP, growing at the pre-retirement return, at each birthday until you retire.

Growth over time

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Amounts are rounded to the nearest rupee for display; calculations use full precision.

A planning estimate only. It assumes constant inflation and returns, expenses withdrawn at the start of each retirement year, and no pension, rent or other income. Review it with a qualified adviser. Read our disclaimer.

How Much Do You Need to Retire?

Your retirement fund has to pay your living costs from the day you stop working until the end of your life — and those costs keep rising with inflation. This calculator estimates that fund (the corpus) and the monthly investment that builds it.

How the Calculation Works

  1. Expenses at retirement: today’s monthly expenses are grown at the inflation rate until your retirement age.
  2. Corpus needed: the amount that, invested at the post-retirement return, can pay those expenses — rising with inflation every year — until the age you plan for.
  3. Current savings: what you have already saved is grown at the pre-retirement return.
  4. Monthly SIP: the monthly investment that grows to the remaining shortfall by retirement.

Worked example

A 30-year-old spending ₹50,000 a month, retiring at 60 and planning until 85, with 6% inflation, 12% returns before retirement and 7% after, and ₹5,00,000 already saved:

  • Monthly expenses at 60: about ₹2,87,175
  • Corpus needed at 60: about ₹7,71,48,478
  • Current savings at 60: about ₹1,79,74,821
  • Monthly SIP needed: about ₹16,763

The Levers You Control

  • Start early: every year of delay shortens the compounding period and raises the SIP needed.
  • Step up your SIP: raising it with your salary makes a large target far easier to reach.
  • Mind the post-retirement return: a slightly higher, sustainable return after retirement reduces the corpus needed.
  • Count other income: pension, EPF, NPS annuity or rental income reduce the expenses your corpus must cover.

Assumptions

Returns and inflation are assumed constant; expenses are withdrawn at the start of each retirement year; taxes, health shocks and one-off goals are not included. Treat the result as a starting point and review it with a qualified adviser.

Frequently Asked Questions

How is the retirement corpus calculated?

Your monthly expenses are grown at the inflation rate until retirement. The corpus is the amount that, invested at the post-retirement return, can pay those expenses — still rising with inflation — every year until the age you plan for, ending at zero.

How is the monthly SIP worked out?

Your current savings are grown at the pre-retirement return. Whatever the corpus still needs is the shortfall, and the SIP is the monthly amount that grows to exactly that shortfall by your retirement age.

Why is the corpus so large?

Inflation. At 6%, ₹50,000 of monthly expenses today becomes about ₹2,87,175 a month in 30 years, and that has to be paid for 25 years or more while still rising. Starting early and investing steadily is what makes the target reachable.

Does the calculator store my numbers?

No. All calculations run inside your browser. The amounts you enter are not sent to our server or saved anywhere.