Retirement Calculator

How to use this calculator

1. Enter your real numbers. Put in your current age, the age you want to retire, and what you spend in a typical month today — not what you think you'll spend later. The calculator inflates it for you.
2. Set the assumptions you believe in. Inflation in India has historically run around 6%. A pre-retirement return of 10–12% reflects a long-horizon equity-tilted portfolio; the post-retirement return is lower (7–8%) because money is usually moved to safer assets once you stop earning.
3. Pick a corpus method. Annuity drawdown sizes the corpus to last a set number of years and then run out — choose your retirement years to match your expected lifespan. Perpetuity sizes a larger corpus that lives off returns alone, leaving the principal untouched (useful if you want to leave a legacy or never risk running out).
4. Read the headline and the SIP. The big number is what you need on the day you retire. The "Monthly SIP needed now" is what you'd invest every month from today, at your pre-retirement return, to build it.
5. Look at the donut. The emerald slice is the money you actually contribute; the gold slice is growth from compounding. The longer your runway, the smaller your own slice — that's the case for starting early.
6. Stress-test with the table. Markets don't deliver a fixed return. The table shows how the required corpus shifts across return rates and retirement lengths, so you can plan for a range, not a single guess.

All figures are illustrations at the rates you enter, not guarantees. This tool is for education only and is not investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.