Retirement Calculator
Work out the corpus you need to retire comfortably after inflation, and the monthly SIP that gets you there.
You need at age 60
₹6,49,87,807₹6.5 Cr
Enough to cover ₹2,87,175 a month at 60, rising with inflation, until age 85.
Invest ₹18,411 a month for 30 years to get there.
The corpus is sized to pay your rising expenses until age 85, then reach zero. Constant returns are assumed; real returns vary. Calculated in your browser. Nothing is stored.
Plan backwards from your lifestyle
Good retirement planning starts with what you spend, not what you hope to have. This tool takes your expenses today, grows them with inflation to the day you retire, and sizes a corpus that keeps paying a rising monthly amount for the rest of your plan.
Whatever your existing savings will not cover becomes a monthly SIP target. Push the retirement age out by a few years or trim expenses and watch how much the SIP falls.
Frequently asked questions
How is the retirement corpus calculated?
Your monthly expenses are first inflated to the year you retire. The calculator then finds the lump sum that, invested at your post-retirement return, pays those inflation-linked expenses every month until the age you plan for and reaches zero at the end.
Why does the corpus look so large?
Inflation compounds quietly. At 6%, an expense of 50,000 a month today is around 290,000 a month after 30 years. The corpus has to fund that higher level for decades, which is why starting early matters so much.
What return should I assume?
Use a lower return after retirement than before, since most people move toward safer assets. Be conservative with both. Small changes in returns and inflation move the answer a lot, so try a few scenarios.
Does this include pension or other income?
No. Subtract any pension, rent, or other income from your monthly expenses first to see the corpus you need to build on your own.
Track all your money in one place
These tools answer one-time questions. FinBoom keeps your net worth, investments, and goals live across every account and currency. No bank logins.
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This tool is for informational purposes only and is not investment advice. Results are calculated from the figures you enter.