Retirement Calculator — How Much Do You Need?

Find the corpus you need to retire and the monthly SIP that gets you there, adjusted for inflation. Free, no sign-up, and your files never leave your device.

Free, with no sign-up and no watermark. The file is processed in your browser and never uploaded.

Find the corpus you need at retirement to cover your expenses for as long as you plan, adjusted for inflation — and the monthly SIP you need to start now to get there, after counting savings you already have.

Step by step

  1. Enter ages: Fill in Age now, Retire at and Plan until.
  2. Enter expenses: Type your Monthly expenses today for the lifestyle you want in retirement.
  3. Set assumptions: Inflation and returns before and after retirement.
  4. Add savings: Include EPF, PPF and investments set aside, and a yearly SIP increase if you like.

Handy for

Setting a goal

Put a number on retirement.

Early retirement

See what retiring at 45 or 50 takes.

Checking progress

Re-run yearly with your current savings.

Choosing SIP amounts

Know the monthly investment to aim for.

Good to know

  • Plan until at least 85–90.

  • Healthcare costs often rise faster than general inflation.

  • Use the SWP calculator to plan withdrawals.

Questions

How is the corpus calculated?

It is the amount that, earning the post-retirement return, pays your inflation-rising monthly expenses until your “plan until” age.

Can I rely on this for filing or investing?

Use it for planning. Rules, rates and your own circumstances matter — confirm with official sources or a qualified adviser before acting.

Are my numbers sent anywhere?

No. Every calculation runs in your browser; nothing you type is uploaded or stored.

More Salary, Tax & Investment tools

  • Inflation Calculator — See what something will cost in the future, or what a future amount is worth today.
  • Simple Interest — Calculate simple interest and total amount for years, months or days, with compound interest for comparison.
  • Home Loan Eligibility — Estimate the home loan you can get from your income, existing EMIs and the bank's LTV limits.
  • Salary Hike Calculator — Work out your new CTC or hike percentage, your real raise after inflation, and compare job offers.
  • Land Area Converter — Convert bigha, katha, biswa, gaj, guntha, cent, marla, acre and hectare with state-wise values.
  • Square Feet Calculator — Add up rooms and plots in feet, inches or metres and get square feet, square metres, gaj and cost.

All Salary, Tax & Investment tools