Retirement Calculator India

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 inputs

Current age

years

Retirement age

years

Life expectancy

years

Monthly expenses today

INR

Current retirement corpus

INR

Monthly investment until retirement

INR

Return before retirement

Return after retirement

Inflation

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

Annual expenses at retirement

₹51,50,245

Real post-retirement return

0.94%

Retirement corpus chart

Year-by-year estimate of projected corpus versus corpus needed.

Projected corpusCorpus neededFinal: ₹9,64,84,033

Year-by-year retirement projection

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

Formula used

Annual expenses today = monthly expenses x 12.
Future monthly expenses = current monthly expenses x (1 + inflation) ^ years to retirement.
Real post-retirement return = (1 + post-retirement return) / (1 + inflation) - 1.
Retirement corpus needed = present value of inflation-adjusted annual retirement expenses over retirement years using the real post-retirement return.
Projected corpus = current corpus grown at pre-retirement return plus monthly investment added every month.
Retirement gap = retirement corpus needed - projected corpus at retirement.
Required monthly investment solves the SIP amount needed to close the retirement corpus gap by retirement age.
Taxes, medical shocks, changing expenses, market volatility, and sequence-of-return risk are not included.

Related calculators and guides

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.

Guide

Retirement Calculator Guide

Understand corpus, inflation, and withdrawal assumptions.

Guide

SWP vs FD Retirement Income

Compare income options after estimating retirement corpus.

Assumptions

Future expenses are inflated annually using the entered inflation rate.
Pre-retirement corpus grows using the entered expected return and fixed monthly investment.
Retirement corpus uses the real post-retirement return after inflation.
Taxes, medical emergencies, changing lifestyle, market volatility, and sequence-of-return risk are not included.

Disclaimer

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.

Year

Age

Corpus

Annual expenses

Corpus needed

Gap

Year 1

₹33,90,061

₹12,72,000

₹2,82,10,407

₹2,48,20,346

Year 2

₹43,73,323

₹13,48,320

₹2,99,03,032

₹2,55,29,708

Year 3

₹54,59,546

₹14,29,219

₹3,16,97,214

₹2,62,37,668

Year 4

₹66,59,510

₹15,14,972

₹3,35,99,046

₹2,69,39,537

Year 5

₹79,85,126

₹16,05,871

₹3,56,14,989

₹2,76,29,863

Year 6

₹94,49,551

₹17,02,223

₹3,77,51,888

₹2,83,02,337

Year 7

₹1,10,67,321

₹18,04,356

₹4,00,17,002

₹2,89,49,680

Year 8

₹1,28,54,493

₹19,12,618

₹4,24,18,022

₹2,95,63,529

Year 9

₹1,48,28,805

₹20,27,375

₹4,49,63,103

₹3,01,34,299

Year 10

₹1,70,09,853

₹21,49,017

₹4,76,60,889

₹3,06,51,037

Year 11

₹1,94,19,285

₹22,77,958

₹5,05,20,543

₹3,11,01,258

Year 12

₹2,20,81,016

₹24,14,636

₹5,35,51,775

₹3,14,70,759

Year 13

₹2,50,21,466

₹25,59,514

₹5,67,64,882

₹3,17,43,416

Year 14

₹2,82,69,818

₹27,13,085

₹6,01,70,775

₹3,19,00,956

Year 15

₹3,18,58,316

₹28,75,870

₹6,37,81,021

₹3,19,22,705

Formula used

Annual expenses today = monthly expenses x 12.

Future monthly expenses = current monthly expenses x (1 + inflation) ^ years to retirement.

Real post-retirement return = (1 + post-retirement return) / (1 + inflation) - 1.

Retirement corpus needed = present value of inflation-adjusted annual retirement expenses over retirement years using the real post-retirement return.

Projected corpus = current corpus grown at pre-retirement return plus monthly investment added every month.

Retirement gap = retirement corpus needed - projected corpus at retirement.

Required monthly investment solves the SIP amount needed to close the retirement corpus gap by retirement age.

Taxes, medical shocks, changing expenses, market volatility, and sequence-of-return risk are not included.

Assumptions

Future expenses are inflated annually using the entered inflation rate.

Pre-retirement corpus grows using the entered expected return and fixed monthly investment.

Retirement corpus uses the real post-retirement return after inflation.

Taxes, medical emergencies, changing lifestyle, market volatility, and sequence-of-return risk are not included.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.