Retirement calculator
Retire Early Calculator
Planning to retire early? Project the corpus your current savings and monthly investments could build, and compare it with the corpus your lifestyle would need.
Your details
Estimated corpus at age 45
₹2,06,10,846
Total amount invested
₹64,00,000
Corpus your lifestyle may need
₹4,81,75,701
Expenses of ₹1,19,828/month at retirement
Additional monthly investment required
₹54,630
Shortfall of ₹2,75,64,855
At these assumptions there is a shortfall. Investing about ₹54,630 more per month, retiring later, or reducing planned expenses could close the gap.
Projected corpus vs corpus required
Year-wise projection
| Age | Invested till date | Projected corpus |
|---|---|---|
| 31 | ₹13,60,000 | ₹15,04,280 |
| 32 | ₹17,20,000 | ₹20,71,696 |
| 33 | ₹20,80,000 | ₹27,10,157 |
| 34 | ₹24,40,000 | ₹34,28,564 |
| 35 | ₹28,00,000 | ₹42,36,933 |
| 36 | ₹31,60,000 | ₹51,46,534 |
| 37 | ₹35,20,000 | ₹61,70,051 |
| 38 | ₹38,80,000 | ₹73,21,760 |
| 39 | ₹42,40,000 | ₹86,17,724 |
| 40 | ₹46,00,000 | ₹1,00,76,020 |
| 41 | ₹49,60,000 | ₹1,17,16,994 |
| 42 | ₹53,20,000 | ₹1,35,63,541 |
Formula used
- Projected corpus = Savings × (1 + r)ᵗ + SIP FV
- Required corpus uses the inflation-adjusted expense method
- Extra SIP = Goal SIP on the shortfall
Assumptions
- An early retirement means a longer retirement, so the corpus must last more years.
- Returns and inflation are assumed constant for illustration.
Scheme rates and rules as on: October–December 2026 quarter. You can change rates in the calculator.
Disclaimer
This calculator provides illustrative estimates only, based on the inputs and assumptions you enter. Results are not guaranteed, do not reflect the performance of any specific product, and do not consider taxes, charges or inflation unless stated. They are not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
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- Retirement by ExpenseRetirement corpus needed for your monthly expenses.
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