Retirement
Retirement Planner
Find the corpus you need and the monthly SIP required to build it — inflation-adjusted for India.
Your plan
Corpus needed at retirement
₹7,67,57,369
Expense at 60: ₹2.87 L/mo
- Years to retirement
- 30 yrs
- Years in retirement
- 25 yrs
- Grown current savings
- ₹0
- Gap to fund
- ₹7,67,57,369
- Monthly SIP required
- ₹21,745
Uses real return (post-return − inflation) to draw down corpus during retirement.
Formula
How the math works
Corpus = FV of expenses growing at inflation, drawn down at post-retirement return; SIP = FV of monthly investment at pre-retirement return.
- Inflation
- p.a. (default 6%)
- Pre-retire return
- Growth rate while working
- Post-retire return
- Safer rate after retirement
Method
How it works
- 1
Enter current age, retirement age and life expectancy.
- 2
Enter your current monthly expense — CalcPe inflates it to your retirement year.
- 3
Pick pre and post-retirement return assumptions.
- 4
You’ll see the corpus required and monthly SIP needed to build it.
Worked example
A quick walkthrough
Inputs
Age 30, retire at 60, live till 85. Expense ₹50,000/mo. Inflation 6%, pre-return 12%, post-return 7%.
Steps
- Expense at 60 = 50,000 × (1.06)³⁰ ≈ ₹2.87 L/mo
- Corpus needed ≈ ₹6.6 Cr
- SIP for 30 years at 12% ≈ ₹18,850/mo
Result
Retirement corpus ≈ ₹6.6 Cr · monthly SIP ≈ ₹18,850.
Why use it
Why CalcPe’s Retirement Planner
- Inflation-aware — the #1 mistake most calculators miss.
- Handles current savings so you invest only for the gap.
- Adjustable pre & post-retirement returns.
- Great starting point for a financial plan.
FAQ
Frequently asked questions
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