Retirement
Retirement Calculator
The corpus you need, the corpus you are on track for, and the gap.
Your figures
Corpus required at retirement
₹6,89,64,284
- Projected corpus
- ₹8,16,81,095
- Projected surplus
- ₹1,27,16,811
- Monthly investment needed
- ₹22,005
- Monthly expenses at retirement
- ₹2,74,680
- Real return in drawdown
- 0.94%
From today until retirement, at the pre-retirement return you entered.
Today's expenses, inflated to your retirement date.
Post-retirement return net of inflation.
- On these assumptions the plan is funded. Re-run it whenever your expenses or income change materially.
Accumulation by age
| Age | Contributed | Projected corpus |
|---|---|---|
| 36 | ₹3,60,000 | ₹31,57,188 |
| 37 | ₹7,20,000 | ₹38,86,666 |
| 38 | ₹10,80,000 | ₹46,96,387 |
| 39 | ₹14,40,000 | ₹55,95,178 |
| 40 | ₹18,00,000 | ₹65,92,835 |
| 41 | ₹21,60,000 | ₹77,00,234 |
| 42 | ₹25,20,000 | ₹89,29,448 |
| 43 | ₹28,80,000 | ₹1,02,93,875 |
| 44 | ₹32,40,000 | ₹1,18,08,389 |
| 45 | ₹36,00,000 | ₹1,34,89,500 |
How this is calculated
Required corpus = present value of an inflation-indexed withdrawal stream: Σ [ expense₁ × (1 + inflation)^t ÷ (1 + post-retirement return)^t ]. Projected corpus = existing corpus compounded + SIP future value.
- Years to retirement
- 25
- Years in retirement
- 25
Most retirement calculators stop at a corpus number. This one shows the three figures that matter together — what the retirement you described actually costs, what your current saving is projected to produce, and the instalment that closes the difference.
Assumptions used
- General inflation6%
- Pre-retirement return11%
- Post-retirement return7%
- Planning life expectancy85
- Expense replacement rate80%
- Withdrawals are assumed to rise with inflation every year — a level withdrawal would understate the corpus needed.
- The projection assumes a constant return. Sequence-of-returns risk, the danger of poor markets in the first years of drawdown, is not modelled here.
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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