Retirement Calculator
Free online retirement calculator — plan your retirement savings, project future investment growth, total contributions, interest earned and estimated monthly retirement income with a readiness score.
Start early, save consistently
The earlier you begin, the more time compounding has to multiply your money. Even small monthly contributions in your 20s can outgrow much larger contributions started in your 40s.
Increase contributions with income
Each time your salary rises, raise your monthly contribution. Stepping up your savings rate by even 5% a year dramatically increases your final corpus.
Plan for inflation
Always target an inflation-adjusted income. What costs ₹50,000 a month today may cost far more by the time you retire, so your corpus must keep growing.
Diversify and review
Spread investments across equity, debt and other assets to balance growth and safety. Review your plan yearly and rebalance as you approach retirement.
Frequently asked questions
How much money do I need to retire?
A common rule of thumb is to aim for a corpus that can replace 70–80% of your pre-retirement income. Using the 4% rule, you need roughly 25 times your desired annual retirement spending. For example, if you want ₹40,000 per month (₹4.8 lakh a year), you would target a corpus of about ₹1.2 crore. Adjust for inflation, healthcare costs and how long you expect retirement to last.
What is a good retirement age?
There is no single right answer. Many people retire between 60 and 67, but it depends on your savings, health, lifestyle and pension eligibility. Retiring later gives your investments more time to grow and shortens the period your savings must cover, while retiring earlier needs a larger corpus. Use this calculator to test different retirement ages and see how your readiness changes.
How does inflation affect retirement?
Inflation steadily reduces the buying power of money. An income that feels comfortable today will buy far less in 20–30 years. At 6% inflation, prices roughly double every 12 years, so your retirement corpus must keep growing even after you retire. Always plan using inflation-adjusted income targets rather than today's prices.
How much should I save every month?
Aim to save at least 15–20% of your income for retirement, starting as early as possible so compounding works in your favour. The exact amount depends on your current age, target corpus and expected returns. Use this calculator to see whether your current monthly contribution puts you on track, then increase it gradually as your income grows.
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Estimates only — not professional financial advice. Returns are not guaranteed.