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Finance Calculators

Retirement Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
25 years
1 years50 years
%
25 years
1 years50 years
Verified formula Private

Retirement corpus needed

₹6,43,78,061

Monthly expense at retirement
₹2,14,594

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Retirement Calculator

The Retirement Calculator works out your retirement corpus needed, along with 1 related figure in an instant. Enter current monthly expense, years to retirement and inflation (p.a.) and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the current monthly expense.
  2. Set the years to retirement.
  3. Enter the inflation (p.a.).
  4. Set the years in retirement.
  5. Read off your retirement corpus needed, together with monthly expense at retirement — the calculator updates automatically, with no button to press.

Formula

The Retirement Calculator uses the formula:

Retirement corpus needed = Current monthly expense × (1 + Inflation (p.a.) ÷ 100)^(Years to retirement) × 12 × Years in retirement

Worked example

For example, with current monthly expense of ₹50,000, years to retirement of 25 years, inflation (p.a.) of 6% and years in retirement of 25 years, the retirement corpus needed is ₹6,43,78,061.

Inputs used
Current monthly expense ₹50,000
Years to retirement 25 years
Inflation (p.a.) 6%
Years in retirement 25 years
Results
Monthly expense at retirement ₹2,14,594
Retirement corpus needed ₹6,43,78,061

Results are estimates for educational use, not professional advice.

Key terms explained

Inflation
The rate at which prices rise over time, eroding the purchasing power of money.

Frequently asked questions

This tool inflates your current monthly expense to its value at retirement, then multiplies by twelve months and your expected years in retirement to estimate the corpus required.

Prices roughly double every 12 years at 6% inflation, so the income you need decades from now is far higher than today. Ignoring inflation badly understates the corpus.

It assumes your post-retirement investments grow about in line with inflation, so the estimate is intentionally conservative. A higher real return would reduce the corpus needed.

Start early and invest regularly through SIPs, PPF, NPS or other instruments. Use a SIP calculator to find the monthly investment needed to reach the target.

The Retirement Calculator uses the formula: Retirement corpus needed = Current monthly expense × (1 + Inflation (p.a.) ÷ 100)^(Years to retirement) × 12 × Years in retirement. For example, with current monthly expense of ₹50,000, years to retirement of 25 years, inflation (p.a.) of 6% and years in retirement of 25 years, the retirement corpus needed is ₹6,43,78,061.

Enter the current monthly expense. Set the years to retirement. Enter the inflation (p.a.). Set the years in retirement. Read off your retirement corpus needed, together with monthly expense at retirement — the calculator updates automatically, with no button to press.

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