Start with today's spending
Enter your current annual lifestyle expenses. Inflation converts that amount into the estimated annual expense when retirement begins.
PLAN WITH CLARITY
Build your retirement plan
Personal Details
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Expense Planning
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Existing Investments
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SIP and Tax Settings
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Future Goals
No goals added yet. Add goals like home purchase, travel, children's education, etc.
RETIREMENT PLANNING, EXPLAINED
Turn today's assumptions into a practical plan
The calculator projects your expenses to retirement, models how your investments may grow, and estimates contributions that fund each goal on time and cover spending through your chosen life expectancy.
Separate the two phases
Use distinct return and inflation assumptions for your working years and retirement years to model each period more realistically.
Stress test your plan
Try a later life expectancy, lower returns or higher inflation. A resilient plan should remain manageable under less favourable assumptions.
How the calculation works
Monthly compounding is applied to investments and withdrawals. An iterative search then solves for the starting SIP, flat SIP and lump sum that fund the selected retirement period, taxes and goals.
Retirement planning questions, answered clearly
The amount depends on your expected retirement expenses, inflation, retirement age, life expectancy and investment returns. This calculator estimates the corpus required from the assumptions you enter.
Inflation reduces purchasing power over time. Even moderate inflation can significantly increase the money needed to maintain the same lifestyle in retirement.
Inflation before retirement increases today's expenses until your retirement date. Inflation during retirement increases withdrawals after retirement begins and affects how long the corpus lasts.
Returns before retirement model the accumulation phase. Returns during retirement model growth on the remaining corpus while regular withdrawals are being made.
A longer life expectancy means your savings must support expenses for more years, which generally increases the required corpus and monthly investment.
An increasing SIP raises your monthly contribution each year. It can make the first year contribution more manageable while allowing savings to grow with income.
Yes. Existing investments continue to compound and can reduce the additional SIP or lump sum required. Include only the investments you intend to use for retirement.
The tax estimate shows how capital gains tax can reduce the amount available at retirement. Enter the rate you want to model because actual tax treatment depends on the investment and applicable rules.
Yes. Add goals such as a home purchase, travel or education so their cost is included in the projection. You can choose whether each amount should rise with inflation.
Lower returns may leave a smaller corpus. You may need to save more, retire later, reduce spending or combine these adjustments. Review the plan regularly rather than relying on one projection.
Enter nominal returns and inflation separately. The calculator applies both assumptions in their relevant phases, so using an inflation adjusted return as well would count inflation twice.
No. The results are estimates based on your assumptions. Actual inflation, returns, taxes and spending will vary, so revisit the plan periodically and consider professional advice.