Estimate the retirement corpus you'll need, and how much you should save each month to get there.
This is a planning estimate, not a precise guarantee — actual outcomes depend on real inflation, real investment returns, and any changes to your expenses or timeline along the way. Revisit this calculation periodically as your circumstances change.
Your monthly expenses will cost more by the time you retire due to inflation, and that inflated expense level needs to be sustained throughout retirement too — failing to account for this is one of the most common retirement planning mistakes.
A common rule of thumb is to have a corpus that, combined with reasonable post-retirement investment returns, can sustain your inflation-adjusted monthly expenses for your expected retirement duration. This calculator estimates that based on your inputs.
Post-retirement, most people shift to safer, lower-return investments to protect capital — a conservative assumption (often lower than your pre-retirement investment return) is prudent for this phase.
Yes — any existing investments earmarked for retirement should be factored in, since they reduce the additional corpus you need to build through new monthly savings.
Yes, significantly. Starting even 5-10 years earlier dramatically reduces the monthly savings required to reach the same retirement corpus, due to the power of compounding over a longer period.
Retirement planning is fundamentally about replacing your income with a sustainable corpus that can support your lifestyle for potentially 20-30 years after you stop working — while inflation continues to erode purchasing power throughout that time.
This calculator walks through that full chain: inflating your current expenses to retirement-age values, sizing the corpus needed to sustain them, and working out the monthly savings required to build that corpus. For a more India-specific government-backed option, also see our NPS Calculator and PPF Calculator.
