Retirement Calculator
Find the corpus you need — and the monthly SIP to build it.
Retirement planning is about ensuring your money outlives you. This calculator estimates the corpus you'll need at 60 to maintain today's lifestyle after inflation, and the monthly SIP required to build it — so you can start early and retire with dignity.
How this calculator works
Enter your current age, your monthly expenses today, and the expected inflation rate. The calculator grows your expenses to retirement age, estimates the corpus needed to sustain them (using the 25× rule), and computes the monthly SIP required at an assumed 12% return.
The formula
Corpus = (Monthly expense × (1 + inflation)^years) × 12 × 25- years
- = Years to retirement (60 − current age)
- inflation
- = Annual inflation rate
- 25×
- = Rule of thumb for a 4% safe annual withdrawal
The 25× rule assumes you withdraw about 4% of the corpus a year. The SIP is derived from a standard future-value annuity at ~12% p.a.
Worked example
You'd need roughly ₹8.6 crore at 60 — achievable with a monthly SIP of about ₹24,000 at 12% p.a.
Key benefits
- Turns a vague worry into a concrete number and monthly action
- Accounts for inflation eroding your purchasing power
- Shows the huge advantage of starting early
- Links directly to a SIP you can automate today
Smart tips
- Start in your 20s — a decade of delay can double the SIP required
- Step up your SIP yearly with income growth
- Keep a separate health-insurance and emergency buffer
- Revisit the plan every few years and after major life changes