Goal Studio · Retirement
Plan the years your money works for you
Start from what your household spends today. We carry it forward with inflation to the year you stop working, work out the corpus that could fund those years, and show the gap — and an illustrative monthly investment to close it.
- Inflation
- 6%
- Assumed return
- 12%
Starting assumptions — hypothetical and editable below.
Your plan
Illustrative investment needed
₹19,418a month
To have ₹7.48 Cr in 2056 (₹1.3 Cr in today’s money), invest about ₹19,418 a month, at an assumed 12% a year.
- Corpus needed at retirement (2056)
- ₹7.48 Cr
- ₹1.3 Cr in today’s money, at 6% inflation
- What you have could grow to
- ₹1.5 Cr
- ₹5 L today, at 12% a year
- Funding gap
- ₹5.98 Cr
- Future cost minus what you have could grow to
- You would invest in total
- ₹69.91 L
- New contributions over 30 years
- Monthly expenses when you retire
- ₹2.87 L
- Today’s expenses carried forward with inflation
- Years the corpus must last
- 25 years
- Real return after inflation: 0.9% a year
Free account, no obligation — your numbers come with you. Already have an account? Sign in
This is an illustration, not a forecast or a promise. It is based on the assumptions shown, which are hypothetical and yours to edit. Actual returns may differ, sometimes significantly, and market-linked investments involve risk, including the possible loss of capital. Taxes, costs and inflation can change the outcome.
Assumptions behind these numbers
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
- Current age
- 30
- Retirement age
- 60
- Plan until age
- 85
- Monthly expenses today
- ₹50,000
- Return after retirement (illustrative)
- 7%
- Retirement corpus, in today’s money
- ₹1,30,24,651
- Years to goal
- 30 years
- Inflation for this goal (annual)
- 6%
- Already invested
- ₹5,00,000
- Assumed annual return (illustrative)
- 12%
- Contribution frequency
- Monthly
How it is calculated
- Expenses grow with inflation until retirement and keep rising once a year during retirement.
- Retirement withdrawals are taken at the start of each month; the remaining corpus earns the post-retirement return.
- The corpus is the amount that would fund these withdrawals until the plan-until age, then run to zero.
- Taxes, one-off expenses and healthcare shocks are not modelled separately.
- Inflation is an effective annual rate. Value in today’s money = future amount ÷ (1 + inflation)^years.
- The annual return is an effective annual (compound) rate; the periodic rate is (1 + annual rate)^(1/periods) − 1.
- Contributions are assumed at the start of each period.
- These figures are illustrations based on hypothetical assumptions, not forecasts. Actual returns may differ, and market-linked investments involve risk.
Formula set v1.0.0
What to consider
Before you settle on a retirement number
Start from expenses, not income
What your household spends is what retirement has to fund. The mix changes — less commuting, more healthcare — so adjust today’s figure if you expect that.
Inflation, for decades
At 6% a year, prices roughly double every 12 years. A plan that ignores inflation can look comfortable and fall short by half.
How long the money must last
Plan until an age you could comfortably outlive. A longer horizon makes the corpus larger, and the plan more resilient.
Returns after you stop working
Money that pays your monthly bills is usually held more conservatively, so the assumed return after retirement is lower than before it.
Healthcare and one-offs
Medical costs and large one-off expenses are not modelled separately here. Health cover and a separate buffer usually sit beside a retirement plan.
Explore
Products people often explore for this goal
Education first: each page explains how the product works, its risks and costs. Nothing here is a recommendation.
Pooled portfolios, priced daily and regulated by SEBI. Understand them first.
A low-cost, regulated retirement account — with rules on access you should know first.
A fixed rate for a fixed term — with more choices inside that simplicity than most people check.
Tools
Tools for this goal
Academy
Read before you decide
Goal Studio
Plan another goal
Talk to CompoundX
Talk your retirement plan through
A CompoundX expert can walk through your goals, the assumptions behind them and the ways people usually work towards them. No obligation, and no pressure to invest.