Finance
Retirement Planning Calculator
A complete retirement model. Inflate today's expenses to your retirement year, compute the corpus needed to fund those expenses through life expectancy, and back-solve the monthly SIP needed pre-retirement to build it.
Methodology
How we calculate this
Corpus = ExpenseAtRetirement × 12 × WithdrawalYears (real)
We use a real-return assumption (return − inflation) to translate corpus into purchasing power.
From the blog
Read about this topic
EPF vs VPF: Should You Increase Your Voluntary Provident Fund Contribution?
EPF is automatic, VPF is voluntary — and one of the highest guaranteed returns available to salaried Indians. When VPF makes sense, when it doesn't, and how it compares to NPS and PPF.
NPS Tier 1 vs Tier 2: Which One Should You Open First?
Tier 1 is the long-term tax-advantaged retirement vehicle; Tier 2 is the flexible non-lock-in investment account. Picking the right tier (or both) for your goal.
Retirement Planning India: A Decade-by-Decade Roadmap
How much you need to retire, when to start, and what to do at each life stage. A practical retirement planning roadmap for Indian salaried professionals.
Related tools
Need a finance read next?
Our blog and finance hub explain the ideas behind these tools — clearly and without jargon.
Frequently asked
- Why is the required corpus so large?
- Inflation is the silent multiplier. Today's ₹50,000 monthly expense becomes ~₹2.87L/month after 30 years at 6% inflation, and you need to fund that for 25+ years.
- What returns should I assume?
- Conservative defaults: 12% pre-retirement (equity-heavy) and 7% post-retirement (debt-heavy). Adjust for your risk profile.
Try SIP Calculator next →
SIP Calculator