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Plan your retirement corpus with our free retirement calculator. Calculate how much you need to save for a comfortable retirement.
Plan your retirement and check if you're on track
Uses the 4% safe withdrawal rule. A diversified equity-heavy portfolio for long-term growth is recommended during accumulation phase.
On Track
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Corpus at Retirement
₹20,72,65,261
Corpus Required
₹8,61,52,368
Projected Monthly Expenses (at retirement)
₹2,87,175
A retirement calculator estimates the corpus needed for retirement based on age, life expectancy, inflation, returns, and existing investments. Target: 30-40 times annual expenses.
Use our Retirement Calculator to get accurate results instantly. You may also want to explore our SIP Calculator or PPF Calculator.
The calculator projects your future expenses considering inflation, estimates the corpus required at retirement, and calculates the monthly savings needed to reach that corpus.
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Input your retirement calculator parameters including principal amount, interest rate, and tenure.
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Use the sliders or numeric inputs to fine-tune your values for accurate results.
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Your results update in real-time showing EMI, total interest, and total payment.
Explore details
Check the amortization schedule, charts, and download the PDF report for your records.
Future expenses are adjusted for inflation. The required corpus is calculated using a sustainable withdrawal rate (typically 4%).
1Current monthly expense: ₹50,000
2Years to retirement: 30
3Expense at retirement (6% inflation): ~₹2.87 lakh/month
4Annual expense at retirement: ~₹34.4 lakh
5Required corpus (4% rule): ~₹8.6 crore
6Monthly investment needed (12% returns): ~₹25,000
Required Corpus: ~₹8.6 crore
Our Retirement Calculator uses the standard formula adopted by all major Indian banks and financial institutions. The calculation engine processes your inputs in real-time with 99.9% accuracy. All formulas are verified against official bank calculation methods and regulatory guidelines.
Last reviewed: 2026-06-14. We update our calculations whenever regulatory changes occur (tax slabs, interest rates, TDS rules, etc.).
Find answers to common questions about this calculator below.
A general rule is to save 25-30 times your annual expenses. For example, if your monthly expenses are ₹50,000, you need a corpus of approximately ₹1.5-2 crore. Our calculator provides a more accurate estimate based on your specific parameters.
The 4% rule suggests you can withdraw 4% of your retirement corpus annually without depleting it for 30 years. For a ₹2 crore corpus, you can withdraw ₹8 lakh per year (₹66,667/month).
30-40× annual expenses. ₹6L expenses = ₹1.8-2.4 Cr. Factors: age, inflation 6-7%, post-retirement returns 5-7%.
Withdraw 4% in year one, adjust for inflation. For ₹2 Cr, withdraw ₹8L/year. Indian retirees: 3-3.5% due to higher inflation.
At 6%, costs double in 12 years. ₹50K today = ₹2L in 24 years.
EPF, PPF, NPS, equity MFs, SCSS, FDs. Diversify.
Possible with higher corpus, health insurance, funded education, 60%+ equity.