See whether your savings will be enough for retirement.
The corpus you need depends on your spending, inflation and how long you will live. For ₹60,000 a month today, retiring at 60 and planning to 85, you need about ₹9,21,80,944.08 at retirement.
The Retirement Calculator projects your savings to retirement and compares them with the corpus needed to fund your spending until the age you plan to — adjusting spending for inflation and allowing for returns after retirement. It shows the shortfall or surplus and the extra monthly saving needed to close any gap.
Small changes in return, inflation and retirement age move the answer a lot, so try several. Include other income such as the pension or Social Security. See also the Inflation Calculator and Investment Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Value |
|---|---|
| Years to retirement | 30 |
| Monthly spending at retirement (inflated) | ₹3,44,609.47 |
| Years in retirement | 25 |
| Corpus needed at retirement | ₹9,21,80,944.08 |
| Projected savings at retirement | ₹5,51,28,458.18 |
| Shortfall | ₹3,70,52,485.90 |
| Extra monthly saving needed | ₹17,961.85 |
| Case | Shortfall / surplus |
|---|---|
| Retire at 55 | ₹4,82,58,153.23 |
| Retire at 60 | ₹3,70,52,485.90 |
| Retire at 65 | ₹86,95,640.22 |
| Monthly saving ₹30,000 | ₹1,44,47,606.65 |
| Spending ₹40,000 | ₹63,25,504.54 |
Enough to fund your inflation-adjusted spending for the rest of your life. This calculator computes the corpus from your spending, inflation, returns and life expectancy.
A guideline that you can withdraw about 4% of your portfolio in the first year and adjust for inflation. Use a lower rate if you expect a long retirement.
It raises the cost of living every year, so spending at retirement is much higher than today's figure.
Usually lower than before, as portfolios become more conservative. Use a cautious figure.
Save more each month, retire later, reduce planned spending or aim for a higher (but riskier) return.
No. Subtract those incomes from your planned spending before entering it.
It uses the standard formula: corpus = spending₀ × (1 − (1 + i)^−n) ÷ i × (1 + i), i = real monthly return after retirement The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
