RETIREMENT CALCULATOR
What is your retirement number?
Work out the corpus you will need on the day you stop working. This retirement planning calculator uses three inputs and shows one number, sized for India.
YOUR RETIREMENT NUMBER
₹13.70 Cr
by 2056, when you turn 60
₹5.71 L/mo
your spend, then
20x
annual expenses
Assumes your expenses grow 7% a year (5% inflation + 2% lifestyle), your money lasts till age 85, and you keep the same lifestyle after retiring. The full app lets you change all of this.
How to Use This Online Retirement Calculator
Three inputs, one number. Nothing to sign up for, no email required. The result updates as you move each slider.
Set your current age
Drag the first slider to your age today. The calculator uses this to work out how many years of compounding sit between now and your retirement date. The range runs from 21 to 55.
Enter your monthly living expenses
Use what your household actually spends in a normal month, not what you earn and not what you save. Include rent or maintenance, food, travel, school fees, utilities and insurance premiums.
Choose the age you want to retire at
Drag the third slider to the age at which you want to stop drawing a salary. Your retirement number, the monthly spend it has to support, and the corpus multiple applied all update instantly.
What Is a Retirement Planning Calculator?
A retirement planning calculator estimates the lump sum you need to have accumulated on the day you stop working, so that you can keep paying for your life without a salary arriving each month. It does this by projecting your current household spending forward to your retirement year, annualising it, and then multiplying it by the number of years of expenses your corpus has to cover. This calculator asks for three things and holds everything else fixed at published assumptions. It shows you the size of the goal. It does not tell you how to fund it, because the funding answer depends on what you already own, what you earn, and how much risk you can carry, and none of those fit on a slider.
How to Calculate Your Retirement Corpus
A retirement corpus calculator answers one question. How much money do you need on the day you stop working, so that your life can carry on being paid for?
The arithmetic has three parts. First, work out what your life will cost then, not what it costs today, because your expenses do not stand still for 20 or 30 years. Second, decide how many years that corpus has to last. Third, convert the annual expense figure into a lump sum by applying a corpus multiple.
This calculator runs all three from three inputs: your age, your monthly living expenses today, and the age you want to retire at.
The 7 Percent Problem: Why Your Expenses Grow Faster Than Inflation
Most Indian retirement calculators grow your expenses at the rate of inflation alone, usually somewhere between 3 and 6 percent. This calculator grows them at 7 percent, made up of 5 percent inflation and 2 percent lifestyle creep.
That extra 2 percent is the part almost nobody models, and it is the part that matters most for anyone whose income is rising.
Lifestyle creep is the gap between what inflation forces you to spend and what you actually end up spending. Your income goes up. The car gets replaced with a better one. The annual holiday gets longer, then becomes two holidays. The rent goes up because you moved to a larger flat, not because the landlord raised it. None of that is inflation. All of it is close to permanent, because very few households voluntarily step back down to a standard of living they have already left behind.
Across one year, the difference between 5 percent and 7 percent is trivial. Across 30 years it is not.
| Expense growth rate | ₹40,000 a month today becomes | Growth multiple over 30 years |
| 3 percent a year | ₹97,090 a month | 2.4 times |
| 5 percent a year | ₹1,72,878 a month | 4.3 times |
| 7 percent a year (this calculator) | ₹3,04,490 a month | 7.6 times |
A Worked Example, Step by Step
Take Priya. She is 34, spends ₹1,20,000 a month running her household in Bengaluru, and would like to stop working at 55.
Step 1. Years to retirement. 55 minus 34 gives 21 years of accumulation.
Step 2. Project the expense forward. ₹1,20,000 growing at 7 percent a year for 21 years becomes ₹4,97,000 a month.
Step 3. Annualise it. ₹4,97,000 multiplied by 12 gives an annual cost of ₹59.6 lakh in her retirement year.
Step 4. Apply the corpus multiple. Retiring at 55 leaves 30 years to fund up to age 85, which produces a raw multiple of 18. The calculator floors the multiple at 20, so 20 is what applies.
Step 5. The corpus. 20 multiplied by ₹59.6 lakh gives ₹11.9 crore.
Now change one input. IF Priya works to 60 rather than 55, THEN her monthly spend at retirement is ₹6.97 lakh, her annual cost is ₹83.6 lakh, and her corpus figure is ₹16.7 crore.
The number went up, not down. That is worth pausing on, because it looks wrong. Priya is not worse off for working five more years. She gains five more years of earning and investing, and she gives up five years of drawdown. What the two figures actually show is that her target moves as fast as she does, because both are quoted in the rupees of their own retirement year. It is the clearest illustration on this page of why retirement planning rewards starting early far more than it rewards working late.
What the Corpus Multiple Actually Means
The corpus multiple is the number shown beside your headline figure, expressed as a multiple of your annual expenses at retirement. It is the part of the calculation that decides how long your money lasts, and it is worth understanding because it is the assumption most calculators hide.
Retirement Planning Calculator India: Why Local Assumptions Matter
Retirement is the one financial goal with no loan available against it. Getting the size of it right early is worth more than any single investment decision you will make later.
It converts a vague worry into a number you can act on
It shows you the cost of your retirement age
It prices inflation honestly for an Indian household
Retirement Calculator India: The Numbers Behind Your Corpus
Related Calculators
Your retirement number is the target. These tools work out what it takes to reach it.
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Enter your retirement corpus as the target and find the monthly systematic investment plan contribution it needs.
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Project what a monthly mutual fund investment grows into over 5 to 40 years with compounding.
Step-Up SIP Calculator
Model contributions that rise every year with your income, which is what most salaried households actually do.
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Frequently Asked Questions
There is no single figure, because it depends entirely on what your household spends and when you want to stop. A retirement money calculator works it out from your own numbers rather than a rule of thumb. IF you are 30, spend ₹75,000 a month and retire at 60, THEN this calculator returns roughly ₹13.7 crore. IF you spend ₹40,000 a month with the same age and retirement date, THEN the figure falls to around ₹7.3 crore. The reason these numbers look large is that they are quoted in the rupees of your retirement year, not today's rupees.
This page sizes the goal rather than the contribution, so it is not a retirement savings calculator in that sense. To get the monthly figure you need one more assumption, which is the return you expect between now and retirement. Take the corpus number from this page across to our Goal SIP Calculator, enter it as your target with your years to retirement, and it will return the monthly systematic investment plan contribution required. IF your income rises each year, THEN model it on the Step-Up SIP Calculator instead, which will give you a lower and more realistic starting contribution.
Almost always because of the expense growth assumption. Many Indian calculators grow your spending at 3 to 6 percent, and several stop funding you at age 70 or 75. This one grows expenses at 7 percent and funds you to 85. Over 30 years, spending growing at 3 percent multiplies 2.4 times while spending growing at 7 percent multiplies 7.6 times. That single difference accounts for most of the gap you will see between calculators.
For most people reading this page, no. ₹1 crore supports an annual expense of around ₹5 lakh at a 5 percent withdrawal rate, which is roughly ₹42,000 a month in the year you retire, not today. IF you are currently spending ₹75,000 a month and retiring in 25 years, THEN your spending at that point will be well above ₹4 lakh a month, and ₹1 crore would be exhausted in a small number of years. The ₹1 crore benchmark is a legacy of a period when both prices and expectations were very different.
No. The figure shown is a gross requirement, not the gap remaining after your existing assets. IF you already hold an Employees Provident Fund balance, a National Pension System corpus, mutual funds or property you intend to sell, THEN your actual shortfall is smaller than the headline number. Netting those off properly means valuing them after tax and after their own growth to your retirement date, which is more than a three input tool can do. Our portfolio overlap tool is a reasonable first step for seeing what your existing mutual fund holdings really contain.
They are arithmetically exact and predictively uncertain, and it helps to keep those two things separate. The calculation itself is deterministic. What is uncertain is every input to it: future inflation, your own spending pattern, your health, your earning span and the returns you achieve. Treat the output as a scale estimate that tells you whether you are broadly on track or badly off, not as a forecast. For measuring what your investments have actually returned so far, an XIRR calculation on your real transactions is more useful than any projection.
Only if you genuinely intend to sell it or draw an income from it. A house you plan to live in throughout retirement produces no cash flow and cannot fund groceries, so counting its market value in your corpus overstates your position considerably. IF you own a second property that you will rent out or sell, THEN it belongs in the calculation, valued at what you expect to realise after capital gains tax and transaction costs rather than at a headline market price.
Once a year is sufficient in normal circumstances, and any time your household spending changes materially. The inputs that move this number are your monthly expenses and your intended retirement age, and neither shifts much in a quiet year. Recalculate immediately after a significant salary change, a house move, a new dependent, or any decision that permanently resets your standard of living, because those are the events that quietly reset the target.