Retirement Calculator
How much you need to retire
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Enter today's monthly expense and your ages, inflation, and expected return.
Example₹50k/month now, retire at 60, live to 85 → a multi-crore corpus
Plan a bit beyond average
India long-term ~5–6%
Corpus needed at 60
₹7,64,27,465
Monthly expense at 60
₹2,87,175
Years in retirement
25 yrs
Your monthly expense, with inflation
Today's ₹50,000/month becomes ₹2,87,175/month by age 60 due to 6% inflation. You'll need a corpus that funds that — rising each year — for 25 years.
Use the SIP calculator to see how much to invest monthly to reach this number.
How much to retire on ₹X a month
Retirement planning has two inflation effects: your expenses grow until you retire, then keep growing through retirement. This calculator projects your future monthly expense, then sizes a corpus that can fund that rising expense for your whole retirement using the “real” return (return minus inflation).
It's a planning estimate — actual needs vary with health, lifestyle, and market sequence. Revisit it every few years.
Combines the inflation-adjusted expense projection (expenses × (1+inflation)^years) with the 25× annual-expenses corpus rule (the '4% rule' from the Trinity study, adapted conservatively for India) and standard SIP future-value math for the build-up phase.
- Highly sensitive to the return and inflation you assume.
- Ignores taxes, one-off expenses and changing circumstances.
- A planning estimate, not a guarantee your corpus will last.
- How much do I need to retire?
- Enough to cover your future (inflation-adjusted) monthly expenses for your full retirement, while the corpus keeps earning. This calculator works that figure out from your current spending, ages, inflation, and expected return.
- Why does my future expense look so high?
- Inflation compounds. At 6%, expenses roughly double every 12 years — so ₹50,000/month today can be ₹1.5–2 lakh/month in 25–30 years. Planning on today's numbers badly under-saves.
- What return should I assume after retirement?
- A conservative 6–8%, since you'll shift towards safer assets in retirement. The calculator uses the gap between your return and inflation (the 'real' return) to size the corpus.
- How do I build this corpus?
- Work backwards: use the SIP calculator to find the monthly investment that grows to this number by your retirement age.
Related guides
- How much do you need to retire in India? The real numberThere is a simple way to estimate the corpus, and most people badly underestimate it because they forget inflation. The rule, and the catch.
- NPS vs PPF — which wins for retirement?A guaranteed tax-free account versus a market-linked pension — the differences that actually decide it, and why many people use both.
- How much SIP do you need to reach ₹1 crore?The monthly SIP that grows to ₹1 crore — for 10, 15, 20 and 25 years — and why starting early does most of the work.
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