Retirement calculator
Retirement by Expense
Start from how much you spend today. This calculator inflates your expenses to your retirement date and estimates the corpus needed to fund them for the rest of your life.
Your details
Monthly expenses at retirement
₹2,14,594
In 25 years, at 6% inflation
Estimated retirement corpus required
₹5,76,49,831
To last 25 years
Current savings will grow to
₹0
Monthly SIP needed to build the gap
₹30,380
At 12% before retirement
The corpus is designed to run down to zero at your life expectancy. Many families keep an extra buffer for health costs and longevity.
How the corpus could be used after retirement
Post-retirement drawdown
| Year end | Remaining corpus |
|---|---|
| Age 61 | ₹5,89,29,938 |
| Age 62 | ₹6,01,34,330 |
| Age 63 | ₹6,12,47,787 |
| Age 64 | ₹6,22,53,429 |
| Age 65 | ₹6,31,32,564 |
| Age 66 | ₹6,38,64,522 |
| Age 67 | ₹6,44,26,478 |
| Age 68 | ₹6,47,93,257 |
| Age 69 | ₹6,49,37,127 |
| Age 70 | ₹6,48,27,567 |
| Age 71 | ₹6,44,31,029 |
| Age 72 | ₹6,37,10,666 |
Formula used
- Expense at retirement = E × (1 + inflation)^(years to retire)
- Corpus = A × [1 − ((1 + g) ÷ (1 + r))ᴺ] ÷ (r − g) × (1 + r)
- A = first-year expense, g = inflation, r = post-retirement return, N = years in retirement
Assumptions
- Expenses rise with inflation every year after retirement.
- The corpus is assumed to earn the post-retirement return and run down to zero at life expectancy.
- Healthcare costs may rise faster than general inflation.
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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