Retirement Planner
Calculate how much you need to save for a stress-free retirement, accounting for inflation and lifestyle.
Your inputs
Your estimate
Required Retirement Corpus
₹6,86,42,174
Estimates use your inputs and assumed returns. Actual returns vary and are not guaranteed.
Quick answer
A retirement calculator estimates the corpus you need and the SIP to build it. A 30-year-old spending ₹50,000 a month would need about ₹6.86 crore by 60, or a SIP of about ₹19,446 a month, assuming 6% inflation, 12% returns before retirement and 8% after.
About the Retirement Planner calculator
Retirement planning must account for inflation. A monthly expense of ₹50,000 today might exceed ₹2.8 Lakhs in 30 years at 6% inflation. This calculator estimates the total corpus required to sustain your lifestyle until age 85.
What is the formula?
Future expense = today’s expense × (1 + inflation)ʸ. Corpus = present value of those expenses from retirement until age 85, at the real post-retirement return.
Worked example
At 6% inflation, ₹50,000 a month today becomes about ₹2.87 lakh a month in 30 years. Funding that to age 85 at an assumed 8% return takes about ₹6.86 crore.
Frequently asked questions
What inflation rate should I use?
For India, a 6-7% inflation rate is a safe long-term assumption for planning lifestyle expenses.
Why is the corpus so large?
A large corpus ensures you don't outlive your money even as inflation erodes purchasing power.
Related guides
Reviewed by Vikas Gupta, AMFI-registered Mutual Fund Distributor (ARN-178652). Last updated . Mutual fund investments are subject to market risks, read all scheme related documents carefully. Mutual fund distribution by Korlipara Vikas Gupta, AMFI-registered Mutual Fund Distributor, ARN-178652. Distributors earn commission from fund houses on regular plans. Content and calculators on this site are for education, not personalised investment advice. Illustrations use assumed returns, which are not guaranteed.