Find how much you need for retirement and how much to invest monthly.
Future Monthly Expense
Total Corpus Needed
Monthly Investment Required
Retirement planning is the process of preparing financially for life after your working years. It involves estimating future expenses, calculating the required retirement corpus, and investing regularly to achieve financial independence.
In India, retirement planning is crucial due to rising inflation, increasing life expectancy, and lack of guaranteed pension systems. A proper plan ensures you live comfortably without financial stress.
A retirement calculator helps you estimate how much money you will need in the future and how much you should invest today.
Future Expense = Current Expense × (1 + Inflation)^Years
Retirement Corpus ≈ 25 × Annual Expense
Inflation reduces the purchasing power of money. ₹50,000 today may become ₹1.5–2 lakh in 20–25 years.
People now live 75–85 years, meaning retirement can last 25+ years.
Medical inflation in India is around 10–12% annually.
Most private sector employees don’t receive pensions.
A simple rule:
Retirement Corpus = 25 × Annual Expenses
Example:
For safer planning, consider 30x annual expenses.
To achieve your retirement goal, you need disciplined investing.
Best option for long-term wealth creation due to compounding.
Safe but lower returns.
Tax-efficient retirement product.
Safe but not ideal alone for retirement.
If your investment return is 10% and inflation is 6%, your real return is only 4%.
This is why equity investing is important for long-term wealth creation.
The earlier you start, the better. Starting in your 20s gives maximum benefit of compounding.
You need at least 25–30 times your annual expenses.
It depends on lifestyle, but for most people it may not be sufficient.
Yes, SIP is one of the best ways to build long-term wealth.
5%–7% is a realistic assumption for India.