Retirement Planner

Plan for your financial freedom with professional precision.

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Your current age.
Target age to stop working.
Expected lifespan.

Finance & Economy

₹
Monthly spending today.
%
Rate of price rise (~6%).
%
Costs drop after retirement.

Returns & Savings

%
Returns in working years.
%
Returns after retirement.
₹
Assets for retirement.
₹
EPF, Gratuity etc.

Step-up Strategy

%
Increase investment yearly.

*Makes the starting investment more achievable.

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Starting Monthly Investment

₹ 0/mo

"Small, consistent adjustments today pave the way for a secure future."

Goal Corpus

Target Bucket

₹ 0

Current Progress0%
Inflation Adjust.

Monthly Exp. at age 60

₹ 0

Lifestyle preserved with 6% annual inflation

Corpus Growth Trajectory

Snapshot of your Plan

Invested Capital

₹ 0

Estimated Interest

₹ 0

Accumulation

Years

Documentation

How it Works

Key Calculations

Future Monthly Expense

Present × (1 + inflation%)^years

Corpus Required

Based on Ordinary Annuity formula for retirement years.

Input Guidelines

Inflation5-7% (Long-term)
ROI (Working)10-15% (Equity)
ROI (Retired)5-7% (Safe)

Last Updated: January 2026

Note: This calculator uses standardized financial models. Actual results may vary based on market conditions.

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How to Use

About the Retirement Calculator

What it calculates

Estimates how much you need to save for retirement and whether current savings rate will meet your post-retirement income goal.

When to use it

Use when planning FIRE, estimating corpus needs, or checking if monthly investments align with retirement age and lifestyle goals.

Example

Needing ₹1 lakh/month in retirement for 25 years may require a corpus of ₹2–3 crore depending on inflation and return assumptions.

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