Retirement & Wealth Planning

Retirement Calculator

Estimate how much you need to retire comfortably and the monthly investment required to build that corpus.

About the calculator

What is the Retirement Calculator?

The Retirement Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Future expense
    FE = ME × (1 + i)ᵀ
  • Corpus needed
    Corpus = FE × 12 × [1 − (1 + r')⁻ⁿ] / r'
  • Real return
    r' = (1 + postRet)/(1 + i) − 1

Why use the Retirement Calculator?

Financial planning works only when it's specific. The Retirement Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Typically 25–30× your annual expense at retirement, inflation-adjusted.
12% pre-retirement (equity-heavy), 7% post-retirement (debt/hybrid).
Yes, add their projected maturity to current savings for a realistic plan.
Possible, but the required SIP rises sharply — see the FIRE calculator.
Annually, or after major life events.
Around 4% real annually for long retirements.

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