Retirement Planning Calculator
Calculate retirement corpus needed and monthly SIP required for retirement goals
Retirement corpus needed
₹5,69,69,067
- Years to retirement
- 30 yr
- Years in retirement
- 20 yr
- Monthly expenses at retirement
- ₹2,87,175
- Retirement corpus needed
- ₹5,69,69,067
- Future value of current savings
- ₹0
- Corpus shortfall
- ₹5,69,69,067
- Monthly SIP required
- ₹16,139
- Total investment needed
- ₹58,10,018
What this calculator does
Plan your retirement by calculating the corpus needed and monthly SIP required to achieve your retirement goals considering inflation and life expectancy.
How it is calculated
Worked example
Age 30, retire at 60, current monthly expenses ₹50,000, 6% inflation
Future monthly need: ₹2.43L; For 25 years post-retirement: ₹4.04 crore needed
Monthly SIP required: ₹33,000 (at 12% return for 30 years)
- 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 and compliance notes
- 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
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