Calculators · Planning

Retirement calculator

This retirement calculator estimates the corpus you need, based on today's expenses, inflation and how long the money must last, and the monthly SIP required to build it before you retire.

WorthOS Technologies Pvt. Ltd.  SEBI Registered Investment Adviser  ·  INA000022695  ·  These calculators are for educational purposes only and do not constitute investment advice. Assumptions can change; actual returns may vary.

Worth · Planning Tools

Seven calculators for the money questions people actually ask

Educational tools built on standard formulas. Every figure below is illustrative, computed from the inputs you enter — not a projection, recommendation or guarantee.

SIP Calculator

The future value of a monthly SIP over your chosen horizon, assuming a constant expected rate of return. Instalments are treated as invested at the start of each month.

Your inputs

Future value —
Total invested
—
Wealth gained
—
Absolute return
—
Instalments paid
—
Invested Wealth gained

Mandatory disclaimerThis calculator uses an assumed constant return rate for illustration. Actual mutual fund returns vary with market conditions and are not guaranteed. Past performance is not indicative of future results.

WorthOS Technologies Private Limited · SEBI Registered Investment Adviser · Registration No. INA000022695 (Non-Individual)

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, enlistment with BSE, and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

The method

How the retirement calculator works

The calculator works in three steps:

  • It grows today's monthly expenses by inflation until your retirement age.
  • It calculates the corpus that can pay those expenses every month until your life expectancy, assuming the corpus keeps earning your post-retirement return, measured after inflation.
  • It subtracts what your existing savings are expected to grow to, and works out the monthly SIP that fills the gap.
Expense at retirement = E × (1 + inflation)^years Real return = (1 + post-retirement return) / (1 + inflation) − 1

Worked example (the calculator's default inputs)

Age today / retirement / life expectancy
30 / 60 / 85
Monthly expenses today
₹50,000
Inflation
6%
Returns before / after retirement
12% / 7%
Monthly expenses at 60
₹2,87,175
Corpus needed at 60
₹7.67 Cr
Monthly SIP needed
₹21,734

With returns of 7% against 6% inflation, the corpus earns under 1% a year in real terms, which is why it needs to be large.

The essentials

Retirement planning in India: how much corpus do you need?

Why inflation drives the retirement corpus

A retirement calculator with inflation matters because expenses compound too. At 6% inflation, ₹50,000 of monthly expenses today becomes about ₹2.87 lakh a month in 30 years. The corpus must then fund those expenses for every year of retirement, while prices keep rising.

The real return during retirement

What sustains a corpus is the return it earns above inflation. A 7% return with 6% inflation leaves a real return of under 1%, so the corpus mostly gets drawn down rather than growing. Small changes to either assumption move the result a lot, so test a few scenarios.

Early retirement (FIRE)

For financial independence and early retirement, set an earlier retirement age. The corpus rises because it must last longer, and the SIP rises because there are fewer years to build it. Once you are drawing an income, the SWP calculator shows how long a corpus lasts, and the emergency fund calculator sizes the cash buffer alongside it.

Common questions

Retirement Calculator: frequently asked questions

Still have questions? Contact us
How is the retirement corpus calculated?
Your current expenses are inflated to your retirement date, then the calculator finds the lump sum that can fund those inflation-adjusted expenses every month until your life expectancy, while the remaining corpus keeps earning your post-retirement return.
How much money do I need to retire in India?
It depends on your expenses, inflation, your retirement age and how long the money must last. For example, a 30-year-old spending ₹50,000 a month today would need about ₹7.67 crore at 60 under this calculator's default assumptions.
Why does inflation make such a big difference?
At 6% inflation, ₹50,000 of monthly expenses today becomes about ₹2.87 lakh a month in 30 years. Small changes to the inflation or return assumptions move the result a lot.
Should I include my EPF or PPF balance?
Yes. Enter existing retirement savings in the 'saved so far' field. The calculator grows them at your pre-retirement return and reduces the SIP needed accordingly.
Can I use this as a FIRE calculator?
Yes. Set an earlier retirement age to model early retirement. The corpus rises because it must last longer, and the monthly SIP rises because there are fewer years to build it.
Reviewed by Tanish Sadh, Principal OfficerWorthOS Technologies Private Limited · SEBI RIA INA000022695 · Last reviewed
SEBI disclaimerInvestment in securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, enlistment with BSE, and certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

For grievance redressal, contact tanish@worthostech.com or visit our Grievance Redressal page. If unresolved, escalate through SEBI SCORES or SMART ODR.