Plan your retirement with precision. Calculate how much you need to save monthly, when you can retire, and how long your corpus will last based on inflation-adjusted expenses.
Retirement planning is the most important financial exercise you'll ever do. This calculator helps you answer the critical question: "How much do I need to save every month to retire comfortably?" It factors in inflation, investment returns, existing savings, and your desired retirement age.
Where
The 4% rule (from the Trinity Study) suggests you can withdraw 4% of your corpus annually and it should last 30 years. In Indian context with higher inflation, a 3-3.5% withdrawal rate is more conservative and safer. This calculator uses a more precise method: it models actual year-by-year withdrawals adjusted for inflation.
Set your profile
Enter your current age, desired retirement age, and life expectancy.
Enter expenses & savings
Set today's monthly expenses and any existing savings/investments.
Configure rates
Set expected pre-retirement return, post-retirement return, and inflation rate.
Get your magic number
See exactly how much monthly SIP you need and watch the corpus projection chart.
Early retirees (FIRE)
Plan aggressive saving strategies to retire in your 40s or 50s.
Salaried professionals
Calculate if your current savings rate is enough for a comfortable retirement.
Parents planning ahead
Factor in children's education costs before planning retirement corpus.
NRIs planning to return
Model retirement in India with different expense and return assumptions.
It depends on your monthly expenses, inflation rate, and expected investment returns. A common rule is the 25x rule: you need 25 times your annual expenses saved. This calculator accounts for inflation and post-retirement returns to give you a precise number.
FIRE (Financial Independence, Retire Early) is a movement focused on extreme saving and investing to retire much earlier than traditional retirement age. The goal is to accumulate 25-30x your annual expenses so you can live off investment returns.
For pre-retirement equity investments, 10-12% is historically reasonable for Indian markets. Post-retirement, a conservative 6-8% (debt-heavy portfolio) is safer. Inflation of 6-7% is typical for India.
Yes. The calculator adjusts your current monthly expenses for inflation to project what they'll be at retirement. It also uses a real (inflation-adjusted) return rate for the withdrawal phase.