Retirement Calculator
Calculate how much you need to retire comfortably. Account for inflation, life expectancy, and current savings.
🏦Retirement Details
Current Savings FV
₹54.17 L
Gap to Fill
₹6.16 Cr
Retirement Savings Journey
Share Your Retirement Plan
Inspire others to plan early!
Corpus Target
Know the exact amount you need to retire without running out of money.
Gap Analysis
See how much your current savings will grow and how much more you need.
Monthly Target
Get the exact monthly savings needed to reach your retirement goal.
How to Use
Enter Ages
Set current age, retirement age, and life expectancy.
Set Expenses
Enter your current monthly expenses and existing savings.
Set Rates
Enter expected return, inflation, and post-retirement return.
View Plan
See corpus needed, monthly savings target, and full timeline.
The Formula
Corpus = Annual Expense × [(1 - (1+r)^-n) / r]Frequently Asked Questions
How much do I need to retire?
It depends on your expenses. A common rule: you need 25x your annual expenses (4% rule). If you spend ₹50,000/month (₹6L/year), you need ₹1.5 Crore — but adjusted for inflation.
What is the 4% rule?
The 4% rule states you can withdraw 4% of your retirement corpus annually without running out of money for 30+ years. So Corpus = Annual Expenses × 25.
How does inflation affect retirement?
Inflation is the silent killer. At 6% inflation, ₹50,000/month today becomes ₹1.6 lakh/month in 20 years. Always plan in inflation-adjusted terms.
When should I start saving for retirement?
Yesterday! The earlier you start, the less you need to save monthly. Starting at 25 vs 35 can mean the difference between saving ₹10K vs ₹30K per month for the same goal.
Should I use different returns for pre and post retirement?
Yes! Pre-retirement you can invest aggressively (10-12% equity). Post-retirement, shift to conservative allocation (7-8% balanced). This calculator handles both.