01
Project future expenses
Your current monthly expenses are grown by the assumed inflation rate until your retirement age.
Retirement planning tool
Calculate your retirement needs
Enter your current situation to estimate the fund required at retirement and a potential monthly investment amount. Results are projections, not guarantees.
Your retirement assumptions
Change any value to update the estimate instantly.
30 years
Your age today
60 years
Planned retirement age
₹40,000
Essential and lifestyle spending, excluding savings
6%
Annual expense inflation
85 years
Planning horizon / longevity assumption
10%
Annual investment return assumption
7%
Annual return while withdrawals are made
₹5,00,000
₹10,000
₹0
Optional income expected during retirement, stated in today's purchasing power
Your estimated retirement plan
Illustrative figures based on the assumptions entered.
Estimated retirement corpus required
₹—
Estimated monthly expenses at retirement: —
Projected value of current savings + SIP₹—
Potential shortfall / surplus₹—
Suggested monthly investment₹—
Years until retirement—
Corpus comparison at retirement
Bars are scaled relative to the larger of the two values.
Important: This is a simplified planning estimate, not financial advice. It assumes expenses rise with inflation and the retirement fund earns a constant annual return. Actual returns, taxes, fees, healthcare costs, pension eligibility and longevity can materially change the result. Consult a qualified financial adviser before making investment decisions.
Understand the estimate
How the retirement calculator works
Retirement planning depends on the cost of your future lifestyle, the length of retirement and how your investments perform.
02
Estimate the required corpus
The tool estimates the present value at retirement of annual retirement withdrawals, net of any stated pension income.
03
Compare and adjust
Projected savings are compared with the target. The suggested monthly investment is an estimate of the contribution needed to close a shortfall.
Year-by-year view
Retirement projection summary
Review how your estimated savings could develop before retirement.
| Age | Years from now | Projected retirement savings | Estimated monthly expenses |
|---|