Back to Calculators
Retirement Calculator
Calculate how much you need to save for a comfortable retirement
Plan Your Retirement
Yr
Yr
Yr
₹
₹
%
%
%
Retirement corpus needed
₹4,01,59,351
Monthly SIP required
₹7,204
Future value of current savings
₹1,49,79,961
Years to retirement
30 years
Savings Accumulation Until Retirement
Post-Retirement Corpus Management
Retirement Plan Breakdown
Current Age30 years
Retirement Age60 years
Years to Retirement30 years
Retirement Period25 years
Current Monthly Expenses₹50,000
Monthly Expenses at Retirement₹2,87,175
Annual Expenses at Retirement₹34,46,095
Retirement Corpus Needed₹4,01,59,351
Future Value of Current Savings₹1,49,79,961
Corpus Shortfall₹2,51,79,390
Monthly SIP Required₹7,204
Total SIP Investment₹25,93,612
Retirement Planning Tips
Start Early:
- • The earlier you start, the less you need to save monthly
- • Power of compounding works best over longer periods
- • Even small amounts invested early can grow significantly
Investment Strategy:
- • Pre-retirement: Focus on equity-heavy portfolio (10-12% returns)
- • Post-retirement: Shift to balanced/debt-heavy portfolio (6-7% returns)
- • Consider EPF, NPS, PPF for tax benefits and guaranteed returns
- • Diversify across asset classes to manage risk
Important Considerations:
- • Medical expenses inflate faster (10-12%) than general inflation
- • Factor in EPF/NPS annuity income which reduces required corpus
- • Plan for longevity risk - life expectancy is increasing
- • Review and adjust your plan annually
Disclaimer: This calculator is for estimation purposes only. Results are approximate and may vary from actual values. Please consult with a financial advisor for personalized advice.