Retirement Calculator
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For education and planning only. Your bank or lender’s actual figures can differ — fees, rounding, day-count conventions and local rules vary. Always confirm the final numbers with your provider before deciding.
A retirement calculator projects the corpus you'll have at retirement from two things: what you've already saved, and what you add every month. Both are grown at an expected annual return until your retirement age. It shows the final corpus alongside how much of it you actually contributed, which makes the power of compounding visible. Returns aren't guaranteed, so use it for planning. It runs on your device.
How to use it
- Enter your current age and the age you plan to retire.
- Add your existing savings and how much you'll invest each month.
- Set an expected annual return to see your projected corpus and growth.
Examples
- Age 30 to 60, ₹5,00,000 saved plus ₹10,000/month at 12% → roughly ₹3.5 crore.
- Of that, ₹41,00,000 is what you actually put in.
Frequently asked questions
- How much do I need to retire comfortably?
- A widely used rule is 25 to 30 times your expected annual expenses at retirement, which supports withdrawing around 3–4% a year. Work out what your yearly costs will look like then, and multiply — that's your target corpus.
- Does this account for inflation?
- No. The figure shown is in future rupees, which will buy less than today's. To think in today's money, use a real return instead — your expected return minus expected inflation, so 12% expected with 6% inflation becomes about 6%.
- What return rate should I assume?
- Equity-heavy portfolios in India have historically returned roughly 10–12% over long periods, debt considerably less. Use a conservative figure for planning: being pleasantly surprised is far better than falling short at 60.
- How does starting early change the outcome?
- Dramatically. Because growth compounds, the earliest contributions have the longest to multiply. Starting a decade earlier often produces a substantially larger corpus than doubling your contribution later — try shifting your current age in the calculator to see it.