How does the Retirement calculator work?

25× annual expenses at retirement (4% safe-withdrawal rule), inflated to that year; SIP solved at the pre-retirement return. The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.

Are the default rates current?

No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.

Is the Retirement calculator free to use?

Yes. It runs in your browser, with no login and no inputs sent to a server.

Calculator

Retirement calculator

Corpus you need by the 4% rule, and the SIP to get there.

Current age

Retirement age

Monthly expense today (₹)

Inflation (% p.a.)

Pre-retirement return (% p.a.)

Corpus needed: ₹8,61,52,375
Annual expense at retirement: ₹34,46,095
Monthly SIP needed: ₹24,406

Invested ₹87.86 LValue ₹8.53 CrYear 1 → 30

Year-by-year schedule

Year	Invested	Value
1	₹2,92,872	₹3,09,529
2	₹5,85,744	₹6,58,314
3	₹8,78,616	₹10,51,334
4	₹11,71,488	₹14,94,199
5	₹14,64,360	₹19,93,230
6	₹17,57,232	₹25,55,551
7	₹20,50,104	₹31,89,188
8	₹23,42,976	₹39,03,186
9	₹26,35,848	₹47,07,736
10	₹29,28,720	₹56,14,324
11	₹32,21,592	₹66,35,890
12	₹35,14,464	₹77,87,016
13	₹38,07,336	₹90,84,134
14	₹41,00,208	₹1,05,45,759
15	₹43,93,080	₹1,21,92,754
16	₹46,85,952	₹1,40,48,630
17	₹49,78,824	₹1,61,39,877
18	₹52,71,696	₹1,84,96,347
19	₹55,64,568	₹2,11,51,675
20	₹58,57,440	₹2,41,43,766
21	₹61,50,312	₹2,75,15,330
22	₹64,43,184	₹3,13,14,491
23	₹67,36,056	₹3,55,95,482
24	₹70,28,928	₹4,04,19,409
25	₹73,21,800	₹4,58,55,131
26	₹76,14,672	₹5,19,80,238
27	₹79,07,544	₹5,88,82,163
28	₹82,00,416	₹6,66,59,424
29	₹84,93,288	₹7,54,23,037
30	₹87,86,160	₹8,52,98,095

Read this before you act on the number

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Maths: 25× annual expenses at retirement (4% safe-withdrawal rule), inflated to that year; SIP solved at the pre-retirement return. Verify rates against the lender's or fund's current card before acting.

Questions about this calculator

How does the Retirement calculator work?: 25× annual expenses at retirement (4% safe-withdrawal rule), inflated to that year; SIP solved at the pre-retirement return. The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.
Are the default rates current?: No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.
Is the Retirement calculator free to use?: Yes. It runs in your browser, with no login and no inputs sent to a server.