Retirement Calculator
Plan your retirement corpus
Retirement Plan Breakdown
💡 Tip: Start investing early! The power of compounding works best over long periods. Even small monthly investments can grow into a substantial retirement corpus.
Retirement Calculator: How Long Will My Money Last
Our powerful retirement calculator instantly reveals whether you're on track for the retirement you want – or how far off you really are. In seconds, it factors in your age, current savings, expected returns, inflation, life expectancy, and lifestyle costs to show the exact retirement corpus you need and the monthly investment required today.
Why Retirement Planning is Critical
Most people dramatically underestimate how much they'll actually need in retirement. With life expectancy rising and inflation running 6 to 7% annually, today's comfortable lifestyle can require 5 to 10 times more money in 30 years.
A retirement calculator eliminates surprises by showing exactly how long your money will last and what you must do now. Starting early is the difference between working until 70 and retiring at 60 with freedom.
How the Retirement Calculator Works
Our advanced retirement calculator online uses proven financial formulas trusted by advisors worldwide. It projects your current expenses forward with inflation, calculates the total corpus needed for 20 to 30 post-retirement years, grows your existing savings at realistic rates, and then tells you the exact monthly SIP or contribution required to bridge any gap.
Key Factors That Drive Your Retirement Number
Five inputs control everything – and our retirement calculator by age lets you tweak each one instantly:
- Your current age and desired retirement age
- Expected inflation (usually 4 to 7%)
- Life expectancy (plan for 90+ to be safe)
- Realistic pre- and post-retirement returns
- Current savings and regular contributions
Change any variable and watch your required monthly savings update live — that's the true power of a smart retirement calculator.
Smart Retirement Planning Strategies
Build wealth systematically: use tax-advantaged retirement accounts, set up automatic monthly investments in diversified funds or index ETFs, maximize any employer matching contributions, balance growth assets (equities) with stability (bonds/fixed income), and consider rental real estate or annuities for steady income.
Our retirement calculator with income lets you test every strategy side-by-side.
Retirement Planning Strategies:
- Systematic Investment Plans (SIP): Invest regularly in mutual funds
- Employer Provident Fund (EPF): Maximize contributions to EPF
- Public Provident Fund (PPF): Tax-free returns with government backing
- National Pension System (NPS): Market-linked pension scheme with tax benefits
- Equity investments: Long-term wealth creation through stocks
- Real estate: Property investments for rental income
- Diversification: Spread investments across different asset classes
Common Retirement Planning Mistakes:
- Starting too late: Delaying retirement planning increases monthly burden
- Underestimating expenses: Not accounting for healthcare and lifestyle costs
- Ignoring inflation: Failing to adjust for rising costs
- Too conservative: Keeping all money in low-return instruments
- No emergency fund: Not having a separate fund for medical emergencies
- Withdrawing early: Breaking retirement savings for other needs
Example Scenario:
Profile:
- Current Age: 30 years
- Retirement Age: 60 years
- Life Expectancy: 80 years
- Current Monthly Expenses: 50,000
- Current Savings: 5,00,000
- Expected Return: 12% p.a.
- Expected Inflation: 6% p.a.
Results:
- Years to Retirement: 30 years
- Future Monthly Expenses: 2,87,175 (5.7x higher!)
- Retirement Corpus Needed: 4.2 Crore
- Current Savings Will Grow To: 1.5 Crore
- Additional Corpus Needed: 2.7 Crore
- Monthly SIP Required: 22,500
💡 Pro Tips for Retirement Planning:
- Start with at least 15-20% of your monthly income
- Increase SIP amount by 10% every year (step-up SIP)
- Review and rebalance your portfolio annually
- Don't rely solely on one investment instrument
- Factor in healthcare costs - they increase with age
- Consider inflation-adjusted returns, not just nominal returns
Important Disclaimer
For Educational and Informational Purposes Only: This calculator is provided solely for educational and informational purposes. It is designed to help you understand potential investment outcomes and should not be considered as financial, investment, tax, or legal advice.
Not Professional Advice: The calculations, results, and information provided by this tool do not constitute professional financial advice, investment recommendations, or tax guidance. Always consult with a qualified financial advisor, certified financial planner, tax consultant, or legal professional before making any investment or financial decisions.
Accuracy and Assumptions: While we strive to ensure the accuracy of our calculators, the results are based on the inputs you provide and certain assumptions. Actual returns, interest rates, tax implications, and other factors may vary significantly based on market conditions, government policies, individual circumstances, and other variables beyond our control.
No Guarantees: Past performance is not indicative of future results. The calculations provided are estimates and projections only. We make no guarantees, warranties, or representations regarding the accuracy, completeness, or reliability of the information or calculations provided.
Regional Variations: Financial regulations, tax laws, interest rates, and investment rules vary significantly by country, state, and jurisdiction. The information provided may not be applicable to your specific location or circumstances. Always verify current rates, rules, and regulations with official sources or local authorities.
Tax Implications: Tax laws are complex and subject to change. The tax-related information provided is general in nature and may not apply to your specific situation. Consult a qualified tax professional for advice tailored to your individual circumstances.
Market Risks: All investments carry risk, including the potential loss of principal. Market conditions, economic factors, and other variables can significantly impact investment performance. Diversification and asset allocation do not guarantee profit or protect against loss.
Currency and Exchange Rates: Currency detection and conversion are provided for convenience only. Exchange rates fluctuate constantly and may differ from the rates used in calculations. Always verify current exchange rates with your financial institution.
Updates and Changes: Interest rates, contribution limits, tax benefits, and other financial parameters are subject to change by government authorities, regulatory bodies, and financial institutions. We recommend verifying current rates and rules with official sources before making any decisions.
No Liability: We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this calculator or reliance on the information provided. Use this tool at your own risk.
Independent Verification: Always independently verify all calculations, rates, and information with official sources, financial institutions, or qualified professionals before making any financial commitments or investment decisions.
By using this calculator, you acknowledge that you have read, understood, and agree to this disclaimer. You accept full responsibility for any decisions made based on the information provided by this tool.