Retirement Calculator

Plan for your golden years by estimating the retirement corpus you need and how to achieve it.

Your Details

Current Age

Retirement Age

Current Monthly Expenses (₹)

Current Retirement Savings (₹)

Monthly Investment (SIP) (₹)

Assumptions

Return Rate (Pre-Retirement) (%)

Return Rate (Post-Retirement) (%)

Inflation Rate (%)

Life Expectancy (Years)

You need to accumulate

₹0

You will accumulate

₹0

Shortfall / Surplus

₹0

Plan Your Future Smartly with Our Retirement Calculator

Retirement isn’t just about stopping work—it’s about starting a new, stress-free phase of life. To make that possible, financial preparation is key. A retirement calculator helps you determine how much money you’ll need when you retire and whether your current savings and investments are enough to reach that goal. Instead of guessing, this calculator gives you a data-backed, realistic roadmap for financial freedom.

Why Use a Retirement Calculator?

Most people underestimate the amount required for a comfortable retirement. Inflation, lifestyle choices, and healthcare costs can erode savings faster than expected. Our pension calculator helps you plan smarter by answering vital questions such as:

How much do I need to retire comfortably?
Am I saving enough each month?
What will my savings be worth after adjusting for inflation?
How long will my retirement corpus last?

How to Use Our Simple Retirement Calculator

Enter Basic Details: Start by filling in your current age, desired retirement age, and expected monthly expenses after retirement.
Add Your Financial Data: Input your current savings and the monthly investment amount you plan to continue till retirement.
Set Key Assumptions: Choose an expected rate of return before and after retirement, and an inflation rate that reflects current trends.
View Instant Results: Our calculator instantly shows how much corpus you’ll need, how much you’ll accumulate, and if there’s a surplus or shortfall.

How the Calculator Works Behind the Scenes

Our retirement planning calculator uses time-tested financial formulas based on compounding and inflation adjustments:

Future Value of Expenses: It projects how your monthly costs will grow by your retirement year using inflation assumptions.
Corpus Calculation: It determines the total amount needed to support those expenses for your post-retirement years.
Investment Growth: It calculates how your current and future savings will grow over time with the chosen rate of return.

All calculations happen instantly in your browser for speed, accuracy, and complete data privacy.

Benefits of Using a Retirement Calculator

Clarity and Confidence: Know exactly where you stand financially and what steps to take next.
Goal-Oriented Investing: Adjust your SIP amount, investment duration, or expected return to close any shortfall.
Inflation-Proof Planning: Factor in rising prices so you don’t underestimate your future needs.
Flexible Scenarios: Try different combinations of savings and returns to see what works best for your goals.

Example: How It All Comes Together

Let’s say you are 30 years old and plan to retire at 60. Your current monthly expense is ₹50,000, and you invest ₹15,000 per month. Assuming 10% returns and 6% inflation, the calculator will show you both your required and projected retirement corpus. This helps you see if your current plan is adequate or needs adjustment.

Frequently Asked Questions

Can I change my assumptions later?

Yes. The tool is interactive—you can modify inflation, returns, or life expectancy anytime to get updated results instantly.

Is my data secure?

Absolutely. The retirement calculator runs entirely on your device. No financial data is stored or sent online.

When should I start planning?

Right now! The earlier you start, the greater your compounding benefits. Even small monthly savings can grow into a large corpus over time.

Conclusion

Your retirement dream deserves a strong financial foundation. Our retirement calculator empowers you to make smart, informed decisions today for a stress-free tomorrow. Use it regularly to stay on track, adjust your strategy, and ensure that your golden years are truly golden.