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Shravya Finlytics

Retirement calculator

Work out what your expenses become by the time you retire, the corpus that covers them for the rest of your life, and the monthly investment that builds it.

What retirement costs by the time you get there, and what it takes to be ready.

18–65
years old
40–75
years old
60–100
years old
5,000–20,00,000
₹
2–12
%
4–18
%
2–14
%

Usually lower: the portfolio moves towards safer holdings.

0–50,00,00,000
₹

Everything here is worked out in your browser. Nothing you type is sent to us or saved.

Invest every month from now

₹20,660

Corpus needed at 60

₹7,29,26,275

Monthly expenses at 60

₹2,87,175

₹50,000 today, after 30 years of 6% inflation

  • What you put in
  • Corpus
₹0₹2.0 Cr₹4.0 Cr₹6.0 Cr048121620242830
Building ₹7.3 Cr by age 60, at 12% a year. Hover, or focus the chart and use the left and right arrow keys, to read any year.
See the numbers
Building ₹7.3 Cr by age 60, at 12% a year.
YearWhat you put inCorpusGrowth
0₹0₹0₹0
1₹2,47,920₹2,64,641₹16,721
2₹4,95,840₹5,62,845₹67,005
3₹7,43,760₹8,98,868₹1,55,108
4₹9,91,680₹12,77,508₹2,85,828
5₹12,39,600₹17,04,168₹4,64,568
6₹14,87,520₹21,84,940₹6,97,420
7₹17,35,440₹27,26,686₹9,91,246
8₹19,83,360₹33,37,139₹13,53,779
9₹22,31,280₹40,25,012₹17,93,732
10₹24,79,200₹48,00,125₹23,20,925
11₹27,27,120₹56,73,542₹29,46,422
12₹29,75,040₹66,57,730₹36,82,690
13₹32,22,960₹77,66,737₹45,43,777
14₹34,70,880₹90,16,395₹55,45,515
15₹37,18,800₹1,04,24,540₹67,05,740
16₹39,66,720₹1,20,11,273₹80,44,553
17₹42,14,640₹1,37,99,244₹95,84,604
18₹44,62,560₹1,58,13,975₹1,13,51,415
19₹47,10,480₹1,80,84,223₹1,33,73,743
20₹49,58,400₹2,06,42,396₹1,56,83,996
21₹52,06,320₹2,35,25,009₹1,83,18,689
22₹54,54,240₹2,67,73,210₹2,13,18,970
23₹57,02,160₹3,04,33,364₹2,47,31,204
24₹59,50,080₹3,45,57,717₹2,86,07,637
25₹61,98,000₹3,92,05,141₹3,30,07,141
26₹64,45,920₹4,44,41,975₹3,79,96,055
27₹66,93,840₹5,03,42,970₹4,36,49,130
28₹69,41,760₹5,69,92,360₹5,00,50,600
29₹71,89,680₹6,44,85,058₹5,72,95,378
30₹74,37,600₹7,29,28,019₹6,54,90,419
  • The corpus is the smallest amount that lasts all 25 years of retirement, drawn down monthly at 7% with the withdrawal rising 6% a year. It ends at zero, not with something to spare.
  • EPF, NPS and gratuity count towards this. Put what you already have in the last field so the monthly figure is what you still need.
  • Redo this every few years. Both inflation and your expenses will have moved.

Common questions

Why is the corpus so large?

Because inflation runs for decades before you retire and then keeps running through retirement. At 6 per cent, expenses of ₹50,000 a month today are about ₹2.87 lakh a month in 30 years, and that is the figure the corpus has to cover.

How is the corpus worked out?

By drawing it down month by month at the return you expect after retiring, raising the withdrawal each year with inflation, and finding the smallest starting amount that lasts the whole plan. Rules like "25 times expenses" are quicker and can be out by years of spending.

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This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.