Tools
Retirement Calculator
Work backwards from today’s expenses to the corpus and monthly SIP that can fund retirement.
Yrs
22Yrs60Yrs
Yrs
40Yrs75Yrs
Yrs
70Yrs100Yrs
₹
₹50,000
₹10,000₹5,00,000
%
2%12%
%
6%16%
₹
₹5.00 L
₹0₹2,00,00,000
Corpus needed
₹5,20,25,477
Monthly SIP required: ₹10,495
- Expenses at retirement
- ₹2,87,175/ month
- Existing savings then
- ₹1,49,79,961
- Shortfall to cover
- ₹3,70,45,516
- Monthly SIP
- ₹10,495
Expense path to retirement
| Year | Age | Monthly expense | Annual expense |
|---|---|---|---|
| 1 | 31 | ₹53,000 | ₹6,36,000 |
| 2 | 32 | ₹56,180 | ₹6,74,160 |
| 3 | 33 | ₹59,551 | ₹7,14,610 |
| 4 | 34 | ₹63,124 | ₹7,57,486 |
| 5 | 35 | ₹66,911 | ₹8,02,935 |
| 6 | 36 | ₹70,926 | ₹8,51,111 |
| 7 | 37 | ₹75,182 | ₹9,02,178 |
| 8 | 38 | ₹79,692 | ₹9,56,309 |
| 9 | 39 | ₹84,474 | ₹10,13,687 |
| 10 | 40 | ₹89,542 | ₹10,74,509 |
| 11 | 41 | ₹94,915 | ₹11,38,979 |
| 12 | 42 | ₹1,00,610 | ₹12,07,318 |
| 13 | 43 | ₹1,06,646 | ₹12,79,757 |
| 14 | 44 | ₹1,13,045 | ₹13,56,542 |
| 15 | 45 | ₹1,19,828 | ₹14,37,935 |
| 16 | 46 | ₹1,27,018 | ₹15,24,211 |
| 17 | 47 | ₹1,34,639 | ₹16,15,664 |
| 18 | 48 | ₹1,42,717 | ₹17,12,603 |
| 19 | 49 | ₹1,51,280 | ₹18,15,360 |
| 20 | 50 | ₹1,60,357 | ₹19,24,281 |
| 21 | 51 | ₹1,69,978 | ₹20,39,738 |
| 22 | 52 | ₹1,80,177 | ₹21,62,122 |
| 23 | 53 | ₹1,90,987 | ₹22,91,850 |
| 24 | 54 | ₹2,02,447 | ₹24,29,361 |
| 25 | 55 | ₹2,14,594 | ₹25,75,122 |
| 26 | 56 | ₹2,27,469 | ₹27,29,630 |
| 27 | 57 | ₹2,41,117 | ₹28,93,408 |
| 28 | 58 | ₹2,55,584 | ₹30,67,012 |
| 29 | 59 | ₹2,70,919 | ₹32,51,033 |
| 30 | 60 | ₹2,87,175 | ₹34,46,095 |
Illustrative plan, not financial advice. Taxes, EPF, NPS annuity rules and healthcare shocks are not modelled.