Retirement calculator
Retirement by Target
Already have a retirement number in mind? Enter it here to find the regular investment needed to reach it, after counting what you have already saved.
Your details
Required monthly investment
₹9,921
Total amount you will invest
₹35,71,536
Current savings will grow to
₹1,49,79,961
Target corpus
₹5,00,00,000
Path to your retirement corpus
Year-wise breakdown
| Year | Invested | Estimated value | Estimated gains |
|---|---|---|---|
| Age 31 | ₹6,19,051 | ₹6,87,080 | ₹68,029 |
| Age 32 | ₹7,38,102 | ₹8,97,478 | ₹1,59,376 |
| Age 33 | ₹8,57,154 | ₹11,34,100 | ₹2,76,946 |
| Age 34 | ₹9,76,205 | ₹14,00,219 | ₹4,24,014 |
| Age 35 | ₹10,95,256 | ₹16,99,513 | ₹6,04,257 |
| Age 36 | ₹12,14,307 | ₹20,36,120 | ₹8,21,813 |
| Age 37 | ₹13,33,358 | ₹24,14,696 | ₹10,81,338 |
| Age 38 | ₹14,52,410 | ₹28,40,476 | ₹13,88,066 |
| Age 39 | ₹15,71,461 | ₹33,19,351 | ₹17,47,890 |
| Age 40 | ₹16,90,512 | ₹38,57,945 | ₹21,67,433 |
| Age 41 | ₹18,09,563 | ₹44,63,710 | ₹26,54,147 |
| Age 42 | ₹19,28,614 | ₹51,45,030 | ₹32,16,416 |
Formula used
- Gap = Target − Savings × (1 + r)ᵗ
- Payment = Gap × i ÷ [((1 + i)ⁿ − 1) × (1 + i)]
- i = r ÷ payments per year, n = years × payments per year
Assumptions
- Current savings are assumed to grow at the same expected return.
- Returns are illustrative and not guaranteed.
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.
Would you like to discuss your result? Message us on WhatsApp or book a consultation.
Related calculators
- SWP CalculatorSee how long a corpus lasts with monthly withdrawals.
- NPS CalculatorEstimate NPS corpus, lump sum and monthly pension.
- Retirement by ExpenseRetirement corpus needed for your monthly expenses.
Let's talk
Ready to plan your next financial step?
Book a no-obligation conversation with Roopesh Agarwal over a call, on WhatsApp, or at our office in Lucknow.