Results are estimates for illustration only and not financial, tax, or investment advice. Verify with a qualified, registered advisor before making decisions.
Retirement Planning Calculator
Calculate required corpus and SIP to retire comfortably.
Runs in your browser
Your files and text are processed locally in your browser and are not uploaded.
About Retirement Planner
A retirement calculator helps you determine the total corpus required to sustain your lifestyle after retirement by factoring in inflation, current expenses, and expected post-retirement returns.
Definition: Retirement Corpus
The total accumulated wealth required at the time of retirement to generate a sustainable income for the rest of one's life.
Inputs and Outputs
Required Inputs
- Current & Retirement AgeYour current age and planned retirement age.
- Life ExpectancyThe age until which you want to plan your finances.
- Current Monthly ExpensesYour current lifestyle cost.
- Inflation Rate (%)Expected average inflation over your lifetime.
- Pre & Post Retirement ReturnsExpected ROI before and after retirement.
Expected Outputs
- Required Retirement CorpusThe total amount needed when you retire.
- Required Monthly SIPHow much you need to invest monthly to reach that corpus.
- Future Monthly ExpensesWhat your current lifestyle will cost at retirement due to inflation.
Who Uses the Retirement Planner?
Financial Independence
Calculate the exact number you need to hit FIRE (Financial Independence, Retire Early).
Investment Planning
Determine the required monthly SIP to ensure a stress-free retirement.
How to Use the Retirement Planner
- 1Input your current age, retirement age, and life expectancy.
- 2Enter your current monthly expenses and expected inflation rate.
- 3Set your expected investment returns for pre and post-retirement phases.
- 4View your required corpus and the monthly SIP needed to achieve it.
Quick Facts
Privacy & Security Guarantee
All financial calculations are performed locally in your browser. No data is sent to our servers.
Frequently Asked Questions
Why are post-retirement returns lower?
After retirement, investors typically shift their portfolio from high-risk equity to safer debt instruments to preserve capital, resulting in lower but more stable returns.
How does inflation impact retirement?
Inflation decreases your purchasing power. For example, living expenses of 50,000 units today might cost 150,000 after 20 years with 6% inflation, drastically increasing the required retirement corpus.