Retirement Planning Calculator

Estimate required corpus and monthly saving from expenses, inflation and returns.

—Monthly expense at retirement
—Corpus needed
—Monthly saving required

Projects expenses forward by inflation, sizes the retirement corpus needed, then works out the monthly SIP required after your existing savings.

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How to use Retirement Planning Calculator

Three quick steps — no sign-up needed

  1. Step 1

    Enter ages and life expectancy

    Set current age, retirement age, and planning lifespan.

  2. Step 2

    Add expenses, inflation, and returns

    Include monthly expenses (₹), inflation, pre/post retirement returns, and already saved amount.

  3. Step 3

    Read corpus need and saving target

    See estimated corpus and the monthly saving implied by your assumptions.

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About Retirement Planning Calculator

Retirement Planning Calculator estimates the corpus you may need and the monthly saving required from current expenses, inflation, pre- and post-retirement returns, and existing savings. Users searching "retirement planning calculator", "corpus required", or "how much to save for retirement" need a goals-based model.

Enter ages, life expectancy, monthly expenses (₹), inflation, returns before/after retirement, and already saved (₹). Small assumption changes produce large long-term differences.

Healthcare shocks and longevity risk are hard to model perfectly. Review plans periodically. This is an educational planner, not a certified financial plan or product recommendation.

Benefits of Retirement Planning Calculator

Expense-led corpus estimate Starts from spending need.
Inflation aware Future expenses grow in the model.
Pre/post return split Different growth assumptions by life stage.
Monthly saving target Actionable contribution figure.

Frequently asked questions

Why is the required corpus so large?

Decades of expenses with inflation add up quickly.

What life expectancy should I use?

Many planners use a conservative long age assumption - personal health differs.

Can I include rental income?

Reduce net expenses or increase savings inputs to approximate other income.

Is this SEBI-registered advice?

No - educational calculator only.

How often should I revisit?

At least yearly or after major income/expense changes.