Retirement Calculator

Find the retirement corpus you really need once inflation is built in, and check whether your savings plan gets you there.

Most retirement planning starts with today's expenses and stops there, which is the single biggest mistake in the calculation. Your expenses 20 or 30 years from now won't be today's number; inflation will have multiplied it several times over. This retirement calculator builds that in from the start, instead of leaving you short by decades' worth of price increases.

How much do I need to retire?

The calculation runs in two steps. First, it projects your current monthly expenses forward to your retirement date using an inflation assumption, since that's what you'll actually be spending by then, not what you're spending today. Second, it applies a corpus multiple to that future expense figure to estimate the lump sum needed to fund it. The calculator above also compares that target with what your current savings and monthly investment will grow to, and tells you the monthly investment that would close any gap. Our guide on how much corpus you need to retire walks through the same logic with more scenarios.

A worked example

Say you're 30 today, plan to retire at 60 (30 years away), and your current essential monthly expenses are ₹40,000. We'll use a 6% annual inflation assumption, a commonly used conservative planning figure for India, above the RBI's current ~4.4% headline rate but in line with the historical average once food and fuel volatility are factored in. This is the retirement corpus calculator India example the tool is pre-filled with.

1. Future monthly expense: ₹40,000 × (1.06)^30 ≈ ₹2,29,740/month in the rupees of that future year.
2. Future annual expense: ₹2,29,740 × 12 ≈ ₹27,56,876.
3. Apply the corpus multiple: using the widely used "25x annual expenses" rule of thumb (the same logic behind the international 4% safe withdrawal rate), target corpus ≈ ₹27,56,876 × 25 ≈ ₹6.89 crore.

That number usually comes as a shock the first time someone sees it, but it's what ₹40,000/month in today's spending power actually costs to sustain 30 years from now, not an exaggeration. Run the calculator with your own age, expenses and inflation assumption to see your specific target.

Why the inflation-adjusted version matters so much

Skip the inflation step, and a ₹40,000/month lifestyle looks like it needs roughly ₹1.2 crore (25× today's annual expense), less than a fifth of the real, inflation-adjusted target. That gap is exactly why so many people discover they're underfunded only after they've already stopped earning. An inflation adjusted retirement calculator isn't a nice-to-have refinement here; it's the difference between a usable number and a dangerously misleading one.

A note on the 25x rule

The 25x multiple is a widely used planning shortcut, not a guarantee. It assumes your corpus continues earning a real (inflation-beating) return throughout retirement and that 25-30 years of withdrawals is roughly the right horizon. Your actual number should account for your specific retirement length, healthcare costs, and whether you'll have other income like a pension or rental income. Treat this calculator as a serious starting point, not a substitute for a financial planner once you're within a decade of retiring.

Where that corpus actually comes from matters too. If you're investing monthly through mutual funds, the SIP calculator shows what your current contribution grows to by retirement age, and for the retirement-specific EPF and NPS side, the EPF vs NPS growth calculator compares those two directly.

Frequently Asked Questions

Why 6% inflation when the current rate is closer to 4.4%?

India's headline CPI inflation was 4.45% in July 2026, within the RBI's 2%-6% target band. But retirement planning spans decades, and food and fuel inflation, the categories that matter most for a retiree's real spending, have historically run higher and more volatile than the headline number. A moderately conservative 6% assumption protects against underestimating your target more than it risks overestimating it.

Does this account for EPF or NPS I'm already contributing to?

Partly. Enter your current savings and monthly investment above to see what they grow to. For EPF or NPS specifically, use the EPF / NPS growth calculator to see how much those contributions will actually grow to by your target date. The gap between that number and your target is what additional investing needs to cover.

This shows you the retirement math using standard planning assumptions. It is not personalised financial advice. Consult a financial planner for a complete retirement strategy.

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