Retirement Planning Calculator

Estimate how much you need to save for a comfortable retirement with detailed savings projections.

Accurate corpus estimation
Yearly savings growth
Visual financial planning
Retirement Planning
Personal Details
Years
Enter age (20–60 years).
Your current age.
Years
Enter retirement age (25–70 years).
Age at which you plan to retire.
Years
Enter life expectancy (60–100 years).
Expected lifespan for planning.
Financial Details
₹
Enter expenses (₹10,000–₹10,00,000).
Your current monthly lifestyle expenses.
₹
Enter retirement expenses (₹0–₹10,00,000).
Expected monthly expenses during retirement (e.g., 80% of current).
%
Enter inflation rate (3–15%).
Annual rate of expense increase.
%
Enter return (5–20%).
Expected annual return on investments before retirement.
%
Enter return (3–15%).
Expected annual return during retirement.
₹
Enter savings (₹0–₹10,00,00,000).
Existing savings for retirement.

Retirement Plan Summary

Retirement Corpus
₹0
Monthly Savings Needed
₹0
Years to Retirement
0 Years
Years in Retirement
0 Years
Steps to Retirement Planning
Estimate Expenses

Determine your post-retirement lifestyle costs.

Calculate Corpus

Find the savings needed to sustain expenses.

Save Regularly

Invest consistently to build your corpus.

Note: Projections are displayed for up to 10 years pre- and post-retirement. Download the CSV for the full projection.
Savings Growth (Pre-Retirement)
YearAgeOpening Balance (₹)Monthly Savings (₹)Interest Earned (₹)Closing Balance (₹)
Corpus Depletion (Post-Retirement)
YearAgeOpening Balance (₹)Monthly Expenses (₹)Interest Earned (₹)Closing Balance (₹)

What is Retirement Planning?

Retirement planning involves estimating the savings needed to maintain your lifestyle after retirement and creating a strategy to achieve that goal. It accounts for inflation, investment returns, and life expectancy.

Early planning leverages compound interest, reducing the monthly savings burden. A diversified portfolio (equity, debt, fixed deposits) can help achieve your target corpus.

Did You Know?

Starting at age 30 with ₹50,000 monthly expenses can require a ₹3 crore corpus by age 60!

Benefits of Retirement Planning

Ensure a comfortable lifestyle without financial stress.

Benefit from long-term investment growth.

Plan for rising costs to maintain purchasing power.

Frequently Asked Questions

It depends on your retirement expenses, inflation, life expectancy, and expected returns. Use this calculator to estimate.

Start as early as possible (e.g., in your 20s or 30s) to benefit from compounding and lower monthly savings needs.

A mix of equity mutual funds, PPF, NPS, and fixed deposits balances growth and safety. Consult a financial advisor.