Retirement Planner
The number you actually need on the day you stop working — and what it takes each month to get there.
Monthly SIP needed
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- Corpus required
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- Monthly expense at retirement
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- Current savings grow to
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- Shortfall to fund
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What changes the answer most
The same plan under a few different retirement ages.
Frequently asked
- How is the corpus figure worked out?
- Your current monthly expense is inflated to what it will cost in the year you retire. The corpus is then the present value of drawing that inflating expense for the whole of retirement, discounted at the real (inflation-adjusted) return your money earns after you stop working.
- Why use a real return instead of the nominal one?
- Because your expenses keep rising after retirement too. Discounting at the nominal return would size a corpus that runs dry, since it quietly assumes your spending is frozen on the day you retire.
- What post-retirement return is reasonable?
- Most plans shift towards debt and income products after retiring, so the post-retirement return is usually set several points below the pre-retirement one. A gap of 4–5 percentage points is a common, conservative assumption.
More calculators
- SIP CalculatorWhat a monthly mutual fund SIP grows to — with optional annual step-up.
- Lumpsum CalculatorCompound growth on a one-time investment, year by year.
- Goal PlannerThe monthly SIP needed to fund a goal, adjusted for inflation.
- EMI CalculatorLoan EMI, total interest and a full year-wise amortisation schedule.
- FD & RD CalculatorMaturity value of fixed and recurring deposits, compounded properly.
- Income Tax CalculatorNew vs old regime, side by side, with the slab-wise breakdown.