Calculator
Retirement Calculator
A retirement calculator sizes the corpus your spending will need once you stop earning, then works out the monthly investment that reaches it. Retirement is funded against what you spend rather than what you earn, so it starts from your monthly outgoings and inflates them to your retirement year.
What actually leaves your account, not your salary.
A long-run assumption, not a promise. Markets do not deliver a constant rate.
Usually lower, because a drawdown portfolio takes less risk.
Corpus needed at retirement
Corpus needed at retirement:₹6,41,82,445
- Invest this each month from now
- ₹49,527
- Monthly spend in year one of retirement
- ₹2,16,212
Ends at ₹6.42 Cr after 22 years
See the figures as a table
| Year | You invest | Value |
|---|---|---|
| 1 | ₹5,94,330 | ₹6,34,414 |
| 2 | ₹11,88,659 | ₹13,49,287 |
| 3 | ₹17,82,989 | ₹21,54,824 |
| 4 | ₹23,77,318 | ₹30,62,523 |
| 5 | ₹29,71,648 | ₹40,85,341 |
| 6 | ₹35,65,978 | ₹52,37,878 |
| 7 | ₹41,60,307 | ₹65,36,586 |
| 8 | ₹47,54,637 | ₹80,00,002 |
| 9 | ₹53,48,967 | ₹96,49,016 |
| 10 | ₹59,43,296 | ₹1,15,07,166 |
| 11 | ₹65,37,626 | ₹1,36,00,977 |
| 12 | ₹71,31,955 | ₹1,59,60,334 |
| 13 | ₹77,26,285 | ₹1,86,18,918 |
| 14 | ₹83,20,615 | ₹2,16,14,676 |
| 15 | ₹89,14,944 | ₹2,49,90,372 |
| 16 | ₹95,09,274 | ₹2,87,94,190 |
| 17 | ₹1,01,03,604 | ₹3,30,80,428 |
| 18 | ₹1,06,97,933 | ₹3,79,10,268 |
| 19 | ₹1,12,92,263 | ₹4,33,52,652 |
| 20 | ₹1,18,86,592 | ₹4,94,85,267 |
| 21 | ₹1,24,80,922 | ₹5,63,95,651 |
| 22 | ₹1,30,75,252 | ₹6,41,82,445 |
What this assumes
Every calculator here states what it took for granted. A result whose assumptions are hidden is not worth much.
- Spending is inflated to your retirement year and continues rising through retirement.
- Each retirement year’s spending is discounted back at the return you expect during retirement.
- Existing savings, EPF and PPF are not counted here; a real assessment includes them.
- No pension, rental income or asset sale is assumed.
How to use it
- Enter what you actually spend each month, not what you earn.
- Set a realistic retirement age and a retirement long enough to be safe.
- Use a lower return for the retirement years than for the investing years.
Illustrative only. Not a projection, not a guarantee, and not investment advice.
Common questions
Why is the corpus so much larger than I expected?
Two reasons compound. Your spending inflates between now and retirement, and it keeps inflating for the decades afterwards. A monthly figure that looks modest today is a much larger one in the year you actually need it.
Does this include my EPF and PPF?
No. This sizes the requirement from scratch. Many people are further along than this suggests once statutory savings are counted, which is one of the things a retirement assessment does properly.
A number is not a plan.
If this result raised a question, that is the useful part. Bring it in and we will work through what it means for your situation.