Retirement Calculator

Complete retirement planning with separate accumulation and retirement schedules, advanced multi-frequency contributions with step-up options, and inflation-adjusted expense planning.

Retirement Parameters

35 years
60 years
₹5,00,000

Current Monthly Expenses Your current monthly expenses which will be inflation-adjusted for retirement planning

₹75,000
10.0%
6.0%
6.0%

Basic Monthly SIP

Fixed monthly contributions only

Step-up SIP

Increase contributions annually

Advanced Multi-Frequency + Step-up

Multiple frequencies with step-up options and one-time investments

Multi-Frequency Contributions

Step-up Options

One-Time Contributions

Results update automatically as you change values

Retirement Projection

Retirement Corpus at Age 60

₹2,75,00,000

Total Contributions: ₹75,00,000
Investment Growth: ₹2,00,00,000
Years to Retirement: 25 years
Monthly Expenses at Retirement: ₹3,22,000
Required Monthly Income: ₹3,86,400

Fund Sustainability Analysis

Funds Last Until Age

85

Years of Coverage

25 years

Final Balance

₹0

Your corpus will sustain your expenses throughout the planned retirement period.

Year Age Annual Contribution Growth Portfolio Value Inflation-Adj Expenses Coverage %
Showing all accumulation years
Year Age Annual Withdrawal Growth Remaining Balance Required Expenses Coverage %
Showing all retirement years

Assumptions & Concepts

Accumulation Phase
The wealth-building period from current age to retirement age. During this phase, you make regular contributions that grow through compound returns. The calculator tracks year-by-year growth and contribution accumulation.
Retirement Phase
The withdrawal period from retirement age onwards. Your corpus generates returns while you withdraw money for expenses. The calculator shows year-by-year balance depletion and coverage of inflation-adjusted expenses.
Step-up SIP
A systematic investment plan where contribution amounts increase annually by a fixed percentage. This helps combat inflation and leverage increasing income. Available in both basic step-up and advanced multi-frequency modes.
Multi-Frequency Contributions
Combines monthly, quarterly, semi-annual, and yearly contributions to optimize cash flow. In advanced mode, all frequencies can have step-up increases, plus one-time contributions for windfalls like bonuses or inheritance.
Inflation-Adjusted Expenses
Current monthly expenses are projected forward using the inflation rate. At retirement, your expenses will be significantly higher due to inflation. The calculator shows required withdrawal amounts to maintain purchasing power.
Key Assumptions
• Returns and inflation rates remain constant
• All contributions are made as scheduled
• No career breaks or income disruptions
• Post-retirement returns are typically conservative
• Expense coverage % allows for lifestyle adjustments
• Withdrawal buffer provides financial safety margin

Frequently Asked Questions

How do I calculate the retirement corpus I need?

Calculate your annual retirement expenses, multiply by retirement duration, and adjust for inflation. Our calculator considers your current expenses, expected inflation rate, and post-retirement returns to determine the exact corpus needed.

How does inflation impact my retirement planning?

Inflation erodes purchasing power over time. A 6% inflation rate means ₹100 today will cost ₹180 in 10 years. Factor in realistic inflation (5-7% in India) to ensure your retirement corpus maintains its real value.

What is the ideal retirement age for FIRE planning?

FIRE (Financial Independence Retire Early) typically targets ages 40-50. However, the ideal age depends on your savings rate, investment returns, and lifestyle. Earlier retirement requires higher corpus due to longer retirement duration.

What post-retirement return should I assume?

Conservative estimates are 6-8% for balanced portfolios. Post-retirement, prioritize capital preservation with debt-heavy portfolios. Aggressive portfolios can assume 8-10% but carry higher risk.

What is the 4% withdrawal rule for retirement?

The 4% rule suggests withdrawing 4% of your corpus annually, adjusted for inflation. If you have ₹1 crore, withdraw ₹4 lakhs in year 1, ₹4.24 lakhs in year 2 (at 6% inflation), and so on. This helps corpus last 25-30 years.

How should I plan for healthcare costs in retirement?

Healthcare costs inflate faster (8-10% annually). Allocate 15-20% of retirement expenses for healthcare. Maintain comprehensive health insurance and build a separate medical emergency fund of ₹10-20 lakhs.

Should I plan for longevity beyond average life expectancy?

Yes, always plan for 5-10 years beyond average life expectancy. If you retire at 60, plan for age 90-95 instead of 80. This protects against longevity risk and ensures you don't outlive your savings.

How much should I save monthly for retirement?

This depends on your retirement goal, current age, and expected returns. Use our calculator to determine exact monthly savings. As a rule of thumb, save 15-20% of income in your 30s, 25-30% in your 40s for comfortable retirement.