Plan Your Retirement Today
Don't let inflation eat your savings. Estimate the exact corpus you need to maintain your lifestyle after you stop working, and find out how much to save monthly to reach that goal.
Inflation Adjusted
Accounts for rising costs
Target Corpus
Know your magic number
Gap Analysis
See if you are on track
Investment Plan
Monthly savings guide
What is a Retirement Calculator?
A simulation tool that helps you determine how much money you will need to live comfortably after you stop working.
Your Roadmap to Financial Freedom
Many people underestimate the impact of inflation. Expenses that cost ₹50,000 today might cost ₹1,50,000 in 20 years. This calculator takes your current age, expenses, expected inflation, and investment returns to mathematically derive the "Nest Egg" required to sustain you through retirement.
Account for Inflation
We automatically adjust your future expenses based on the inflation rate you provide.
Life Expectancy Modeling
Ensure your money lasts as long as you do by calculating for your expected lifespan.
Existing Savings Factor
We calculate the future value of your current savings to see how much *new* money you need to save.
Investment Strategy
Determine the monthly SIP or investment needed starting today to bridge the gap.
Real Rate of Return
Calculates the post-retirement corpus needed based on returns adjusted for inflation during your retirement years.
Expense Projection
Shows you exactly what your monthly household expenses will look like at the age of 60 (or your chosen age).
Wealth Schedule
Provides a year-by-year table showing how your investments need to grow to hit your target.
Why Choose Our Planner?
Two-Phase Calculations
We treat "Accumulation Phase" and "Distribution Phase" separately with different return rates for accuracy.
Existing Corpus Integration
Already have savings? We project their future growth and deduct it from your target, so you don't over-save.
Inflation-Adjusted Logic
We don't just show you today's costs; we mathematically project exactly what your lifestyle will cost in the future.
Retirement Planner
Calculate your target retirement corpus and monthly savings requirement.
Financial Assumptions
Returns while you are working
Returns after you retire
How to Use the Retirement Planner
Three simple steps to build your strategy for the golden years.
Define Your Timeline
Enter your current age and the age you wish to retire (e.g., 60). Also, input life expectancy (typically 80-90 years) to determine how long your corpus needs to last.
Input Financials
Enter your current monthly household expenses. Be honest! Also, input any existing savings (PF, Mutual Funds) you already have. Don't forget the inflation rate (standard is 6%).
Analyze the Gap
The tool will show your total required corpus. It checks if your existing savings will grow enough to cover it. If not, it calculates the exact monthly SIP needed to bridge the gap.
Understanding Retirement Math
Planning is not just about saving; it's about beating inflation and ensuring your money outlives you.
| Concept | Explanation | Why it matters? |
|---|---|---|
| Inflation | The rate at which cost of living increases (e.g., 6% per year). | It halves your purchasing power every 12 years. |
| Corpus | The total lump sum money needed at the time of retirement. | This is your target "Magic Number". |
| Real Rate of Return | Return on Investment minus Inflation. | The actual growth of your wealth's purchasing power. |
| Life Expectancy | The estimated age until which you need financial support. | Underestimating this leads to running out of money. |
Formulas & Calculations
How we determine your financial future using standard financial mathematics.
Future Expense Formula
To calculate what your current monthly expenses will look like at retirement age:
FV = PV × (1 + r)^n
- FV = Future Monthly Expense
- PV = Current Monthly Expense
- r = Inflation Rate
- n = Years to Retirement
Corpus Formula
To calculate the total amount needed to sustain withdrawals for life expectancy:
C = (E × 12) × [1 - (1+rr)^-t] / rr
- C = Target Corpus
- E = Expense at Retirement
- rr = Real Rate of Return (Post-Retire Return vs Inflation)
- t = Years in Retirement
Why Start Early?
The earlier you start planning, the less you need to save monthly due to the power of compounding.
FIRE (Financial Independence, Retire Early)
Want to retire at 45 instead of 60? This calculator helps you adjust your savings rate to achieve aggressive goals. By increasing your SIP and monitoring returns, early freedom is mathematically possible.
Stress-Free Living
Financial stress is a major health risk for seniors. A well-planned corpus ensures you can afford quality healthcare, travel, and hobbies without depending on your children.
Where to Invest for Retirement?
Comparing the popular vehicles used to build a retirement corpus.
NPS
Good for disciplined savings with tax benefits. Moderate returns.
Equity Mutual Funds
Best for beating inflation over 10+ years. Higher volatility.
PPF / EPF
Safety net. Fixed returns. Guaranteed capital.
The Cost of Delay
Why starting 10 years early makes a massive difference.
Scenario 1: Starting at Age 25
Goal: ₹5 Crore Corpus by age 60. Return: 12%
Scenario 2: Starting at Age 35
Goal: ₹5 Crore Corpus by age 60. Return: 12%
Verdict: Starting 10 years late triples the monthly burden!
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Frequently Asked Questions
Common queries about retirement planning.
How much money is enough for retirement?
There is no fixed number, but a common rule is 25-30 times your annual expenses at the time of retirement. This calculator gives a more precise number based on inflation and life expectancy.
What inflation rate should I assume?
For long-term planning in developing economies, 6% is a standard assumption. Education and healthcare inflation can be higher (8-10%).
What is the 4% rule?
It suggests that you can withdraw 4% of your retirement corpus in the first year and adjust that amount for inflation in subsequent years without running out of money for 30 years.
Need a Personalized Plan?
Calculators are great, but complex situations might need an expert. Contact us for general queries.
Contact Us