How accurate is this estimate?

It’s a planning estimate that models inflation, pre/post-retirement returns, and pension offsets. Review yearly as assumptions change.

How to consider taxes?

Enter a post-retirement return that is net of expected taxes (e.g., 6–7% instead of 8%).

Add their current value into Current corpus and their ongoing monthly contribution into Monthly investment.

Current age (years)

Retirement age (years)

Life expectancy (years)

Current monthly expenses (₹)

Inflation (p.a. %)

Return pre-retirement (p.a. %)

Return post-retirement (p.a. %)

Expected monthly pension / rental (₹)

Current corpus (₹)

Monthly investment till retirement (₹)

Note: Expenses inflate till retirement; post-retirement, we model expenses growing with inflation and portfolio earning post-retirement return.

Required Corpus at Retirement

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Projected Corpus at Retirement

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Monthly SIP Needed (Gap)

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Related tools: EMI Calculator · SIP Calculator · FD Calculator · PPF Calculator

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FAQs (Retirement Calculator)

How accurate is this? It’s a planning estimate. Real returns, taxes, and lifestyle shifts vary—review yearly.

What about taxes? Approximate post-retirement returns net of tax (e.g., enter 6–7% instead of 8%).

Can I include EPF/NPS? Add their current value to “Current corpus” and expected contributions in “Monthly investment”.