Salary calculator
Tax calculators
Career planning
Loan planning
SIP and compounding
Savings and retirement
Document tools
Estimate the retirement corpus you may need, your projected corpus, and the monthly investment required to close the gap.
Tax year 2026 - Updated June 2026
Retirement corpus needed
₹11,42,22,094
At age 60, estimated monthly expenses become ₹4,29,187 after inflation. The corpus is based on 25 retirement years and a 0.94% real post-retirement return.
Projected corpus
₹9,64,84,033
Retirement gap
₹1,77,38,062
Required monthly investment
₹63,369
Funded estimate
84.47%
Years to retirement
25
Annual expenses at retirement
₹51,50,245
Real post-retirement return
0.94%
Year-by-year estimate of projected corpus versus corpus needed.
Shows corpus growth, inflation-adjusted expenses, corpus target, and gap.
| Year | Age | Corpus | Annual expenses | Corpus needed | Gap |
|---|---|---|---|---|---|
| Year 1 | 36 | ₹33,90,061 | ₹12,72,000 | ₹2,82,10,407 | ₹2,48,20,346 |
| Year 2 | 37 | ₹43,73,323 | ₹13,48,320 | ₹2,99,03,032 | ₹2,55,29,708 |
| Year 3 | 38 | ₹54,59,546 | ₹14,29,219 | ₹3,16,97,214 | ₹2,62,37,668 |
| Year 4 | 39 | ₹66,59,510 | ₹15,14,972 | ₹3,35,99,046 | ₹2,69,39,537 |
| Year 5 | 40 | ₹79,85,126 | ₹16,05,871 | ₹3,56,14,989 | ₹2,76,29,863 |
| Year 6 | 41 | ₹94,49,551 | ₹17,02,223 | ₹3,77,51,888 | ₹2,83,02,337 |
| Year 7 | 42 | ₹1,10,67,321 | ₹18,04,356 | ₹4,00,17,002 | ₹2,89,49,680 |
| Year 8 | 43 | ₹1,28,54,493 | ₹19,12,618 | ₹4,24,18,022 | ₹2,95,63,529 |
| Year 9 | 44 | ₹1,48,28,805 | ₹20,27,375 | ₹4,49,63,103 | ₹3,01,34,299 |
| Year 10 | 45 | ₹1,70,09,853 | ₹21,49,017 | ₹4,76,60,889 | ₹3,06,51,037 |
| Year 11 | 46 | ₹1,94,19,285 | ₹22,77,958 | ₹5,05,20,543 | ₹3,11,01,258 |
| Year 12 | 47 | ₹2,20,81,016 | ₹24,14,636 | ₹5,35,51,775 | ₹3,14,70,759 |
| Year 13 | 48 | ₹2,50,21,466 | ₹25,59,514 | ₹5,67,64,882 | ₹3,17,43,416 |
| Year 14 | 49 | ₹2,82,69,818 | ₹27,13,085 | ₹6,01,70,775 | ₹3,19,00,956 |
| Year 15 | 50 | ₹3,18,58,316 | ₹28,75,870 | ₹6,37,81,021 | ₹3,19,22,705 |
Quick answers
How much money do I need to retire in India?
The required retirement corpus depends on current expenses, inflation, retirement age, life expectancy, post-retirement return, and safety margin.
How does the Retirement Calculator estimate future expenses?
It grows your current monthly expenses using the inflation rate until retirement, then estimates the corpus needed to support those inflated expenses.
Does the calculator include medical emergencies?
No. It does not separately include medical shocks, insurance gaps, lifestyle changes, taxes, or market crashes. Keep an additional safety buffer.
What return should I assume for retirement planning?
Use conservative assumptions. Pre-retirement returns may be higher if equity allocation is higher, while post-retirement returns are often kept lower for stability.
Can I use SIP to close my retirement gap?
Yes. The calculator estimates a monthly investment gap. You can use SIP, NPS, EPF, PPF, or other investments depending on risk, liquidity, and tax needs.
Keep planning
Continue with calculators, hubs, and guides that match this page.
SIP Calculators Hub
Plan monthly investments toward retirement corpus goals.
Net Worth Tracker
Track current assets and liabilities before retirement planning.
FIRE Number Calculator
Compare retirement planning with financial independence planning.
SWP Calculator
Test monthly withdrawals from the retirement corpus.
SIP Calculator
Estimate how monthly investments may grow over time.
Inflation Calculator
Estimate how expenses may rise before retirement.
Retirement Calculator Guide
Understand corpus, inflation, and withdrawal assumptions.
SWP vs FD Retirement Income
Compare income options after estimating retirement corpus.
The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.
This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.