Planning
Retirement Calculator
Calculate how much you need to retire comfortably in India
Popular Calculators
Enter Details
Yrs
Yrs
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Results
Monthly Expenses at Retirement—
Corpus Needed—
Monthly SIP Needed Now—
SIP Invested
Growth
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| Age 30, expenses ₹50K, retire at 60 (6% inflation, 12% return) | Corpus needed: ₹7.35 crore, SIP: ₹24,000/month |
How It Works
Formula, methodology and key concepts explained
Retirement planning in India must account for high inflation (6–7% vs 2–3% in developed markets) and a potentially long retirement (25–30 years). Start early — every 5 years of delay roughly doubles the monthly SIP needed.
Pro Tips for Planning
Expert guidance to get the most out of your calculation
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Frequently Asked Questions
Common questions about Retirement Calculator
- A rough rule is 25× your annual expenses (the 4% rule). With 6% Indian inflation, your retirement expenses may be 3–5× current expenses. This calculator gives a precise number based on your age, expenses, and return assumptions.
- Use 10–12% for the accumulation phase (equity-heavy portfolio) and 6–7% for the post-retirement phase (balanced/debt portfolio). Always use real (inflation-adjusted) return assumptions for long-term planning.
Key Numbers to Know
Benchmark figures for Planning planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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