Tools · Retirement
Retirement Calculator
Find the retirement corpus you'll need and the monthly investment to get there, accounting for what you've already saved and any pension income.
Your numbers
Your current age. This determines how many years you have to save for retirement.
Age at which you plan to retire. Earlier retirement requires more savings.
Your current monthly income. This helps calculate how much you can save for retirement.
Your current monthly expenses. Retirement corpus should cover 25-30 years of expenses.
Amount you have already saved for retirement. This reduces the amount you need to save.
Expected monthly pension or annuity income during retirement. This reduces the corpus you need to build yourself.
The expected annual return rate. Historical equity returns are 12-15%, while debt funds offer 6-8%.
Expected inflation rate during retirement. This affects the purchasing power of your savings.
Expected age until which you will live. Plan for at least 85-90 years to ensure adequate retirement corpus.
Result
₹0
corpus needed
- Corpus needed
- ₹0
- Gap to build
- ₹0
- Monthly investment
- ₹0
- Years to retirement
- 30 yrs
- Total investment (new)
- ₹0
- Total returns (new)
- ₹0
Your current savings of ₹5,00,000 is only 0% of the required corpus. Start saving more aggressively.
Your monthly pension of ₹20,000 will reduce your required corpus by ₹0.
How retirement corpus is calculated
- Current age & retirement age: Determine how many years you have left to invest.
- Monthly expenses: Your expected monthly expenses at retirement, grown forward by inflation.
- Corpus needed: What you need on day one of retirement to fund those expenses for the rest of the plan, with the corpus still earning your expected return while you draw it down.
- Current savings: Grown forward at your expected return until retirement, then subtracted from the corpus needed.
- Monthly pension: A level pension reduces the corpus you need to build yourself, by what that income stream is worth at retirement.
- Monthly investment: The amount needed each month, from now until retirement, to close the remaining gap.
Frequently asked questions
Results are estimates for education and planning, not financial advice.
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