Planning
Retirement Calculator
Estimate the corpus your retirement may need, what your plan could build, and the gap between them.
Corpus needed at 60
Gap to closeIllustration₹7,48,06,969
To fund ₹2,87,175 a month in the first year of retirement, rising with inflation, until age 85.
- Your plan could build
- ₹4,57,89,693
- Gap
- ₹2,90,17,276
- Additional SIP needed
- ₹9,418
- per month, flat
In plain words
Your expenses of ₹50,000 a month today could be about ₹2,87,175 a month by 60. Funding them to age 85 may need ₹7.48 Cr; your current plan could build ₹4.58 Cr.
Building up, then drawing down
- Or start at, rising 10% a year
- ₹3,634
- Additional SIP, first year
- Total monthly SIP needed
- ₹19,418
- All monthly investing from today, after your savings
- Monthly expenses at retirement
- ₹2,87,175
- 6% inflation for 30 years
- Current plan lasts until
- Age 74
- Then withdrawals can’t be met in full
- Real return after retirement
- 0.94%
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01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
Today’s monthly expenses grow with inflation until retirement.
E₁ = monthly expenses × (1 + inflation)^years to retirement
Withdrawals are taken at the start of each month and rise with inflation once a year. The corpus is the amount that funds them until the plan-until age, earning the post-retirement return, and runs to zero at the end.
corpus = E₁ × 12-month annuity × Σ ((1 + π) ÷ (1 + r′))^k
Current savings grow at the pre-retirement return; your monthly investment (with any yearly increase) compounds as a SIP. The gap is what remains.
gap = corpus − savings × (1 + r)^n − SIP value
The additional SIP is solved exactly, as a flat amount and as a starting amount that rises every year. The projection then simulates the plan month by month through accumulation and drawdown.
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.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- InflationThe rate at which prices rise over time, which steadily reduces what a fixed amount of money can buy.
- AnnuityA contract, usually bought from a life insurer with a lump sum, that pays you a regular income for life or for a set period.
- NPSA voluntary, market-linked, defined-contribution retirement scheme regulated by PFRDA, in which contributions build a corpus for retirement.
- SWPAn instruction to redeem a fixed amount from a mutual fund at regular intervals, used to draw a steady cash flow from an existing investment.
- Real returnYour return after accounting for inflation — the growth in what your money can actually buy.
Read next
Related tools
- Cost of WaitingHow delaying your start changes the monthly investment a goal may need.
- SWP CalculatorPlan regular withdrawals and see how long a corpus could last.
- Inflation CalculatorWhat today’s money is worth tomorrow — and what tomorrow’s costs will be.
- Goal CalculatorInflation-adjusted cost of any goal and the illustrative monthly investment.
Next step
Numbers are a start. A plan is better.
Take this result into a fuller plan, or talk it through with a CompoundX relationship manager — no obligation.