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Retirement Planning Calculator

Calculate retirement corpus needed and monthly SIP required for retirement goals

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Retirement Planning Details

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6%
12%
8%

Retirement Plan Analysis

Enter retirement details to see your plan

Retirement Planning Calculator

Plan your retirement by calculating the corpus needed and monthly SIP required to achieve your retirement goals considering inflation and life expectancy.

Example Calculation

Scenario:

Age 30, retire at 60, current monthly expenses ₹50,000, 6% inflation

Calculation:

Future monthly need: ₹2.43L; For 25 years post-retirement: ₹4.04 crore needed

Result:

Monthly SIP required: ₹33,000 (at 12% return for 30 years)

Key Points

  • •Consider current expenses, inflation, and life expectancy after retirement
  • •Typical inflation assumption: 6-7% for India
  • •Post-retirement return assumption: 7-8% (conservative)
  • •Pre-retirement investment return: 10-12% (equity-focused)
  • •Rule of thumb: Need 25-30x annual expenses as retirement corpus
  • •Start early: Power of compounding dramatically reduces monthly SIP needed
  • •Diversify across EPF, PPF, NPS, mutual funds, and other instruments

Tax Implications:

  • •Use tax-saving investments: 80C (₹1.5L), 80CCD(1B) - NPS (₹50K)
  • •Senior citizen benefits: Higher interest on FD/SCSS, ₹50K 80D deduction
  • •Post-retirement: Structure withdrawals to minimize tax (use LTCG exemptions)
  • •Consider annuity/pension products for guaranteed income
Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.