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.
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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
- Total invested
- —
- Wealth gained
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- Absolute return
- —
- Instalments paid
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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.
Mutual Fund Returns Calculator
What a mutual fund investment could grow to — a one-time amount, a monthly SIP, or both running together. Add an annual step-up if you plan to raise your SIP as your income grows, and see what the final value is worth in today's money.
What you invest
Assumptions
- Total invested
- —
- Wealth gained
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- Absolute return
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- From the one-time investment
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- From the SIP instalments
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- Annualised return (XIRR)
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- Value in today's money
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Both legs grow at the same effective annual rate you enter: the one-time amount compounds annually, and SIP instalments compound monthly at the equivalent monthly rate, (1 + r)^(1/12) − 1. The annualised return is a true XIRR across every cash flow, so it matches your assumed rate and accounts for the fact that later instalments have less time to grow.
Mandatory disclaimerThis calculator uses an assumed constant return rate for illustration. Actual mutual fund returns vary with market conditions, scheme selection and asset allocation, and are not guaranteed. Expense ratio, exit load and capital gains tax are not modelled here and will reduce what you actually receive. Past performance is not indicative of future results.
XIRR Calculator
Annualised return on investments with irregular cash flows — multiple SIPs, lump sums or withdrawals on different dates. Enter investments as negative amounts and redemptions or current value as positive.
Cash flows
| Date | Amount (₹) |
|---|
Negative = money in (SIP, lump sum). Positive = money out (redemption) or today's portfolio value. The last row is normally your current value.
- Total invested
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- Total withdrawn / current value
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- Absolute gain / loss
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- Holding period
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Mandatory disclaimerXIRR calculates the annualised return of investments made at different dates. This is the standard metric used to evaluate returns on SIPs and irregular investments. Results are for illustration and depend entirely on values you input.
Retirement Calculator
The corpus needed to sustain your lifestyle after retirement, and the monthly SIP required to build it. Expenses are inflated to your retirement date, then funded using an inflation-adjusted real return through retirement.
About you
Assumptions
- Years until retirement
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- Monthly expenses at retirement
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- Corpus needed at retirement
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- Real return during retirement
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- Years funded in retirement
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Mandatory disclaimerThis calculator uses assumed return and inflation rates for illustration. Actual returns depend on market conditions and asset allocation. Retirement planning should account for healthcare, dependents and individual circumstances not modelled here. Consult a SEBI Registered Investment Adviser for personalised planning.
Emergency Fund Calculator
How large your emergency fund should be, based on monthly expenses, dependents, how stable your income is, and whether insurance already covers your biggest risks.
Your situation
Park this amount somewhere you can reach within a day or two — a liquid mutual fund or a savings account — rather than in anything with a lock-in or market risk.
Mandatory disclaimerEmergency fund recommendations vary by personal circumstances. This calculator provides general guidance. It is not personalised financial advice. Consider your individual liquidity needs, existing insurance coverage and family obligations.
SWP Calculator
How long a corpus lasts if you withdraw a fixed amount each period, with the remaining balance still earning a return. Returns are applied first, then the withdrawal is taken.
Your inputs
- Total withdrawn over the period
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- Returns earned
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- Balance at the end
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- Withdrawal rate (annualised)
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Mandatory disclaimerSWPs assume constant return rates, which do not reflect real market volatility. Sequence of returns risk — poor returns in the early years — can significantly reduce how long a corpus lasts. This is illustrative and not investment advice.
Mutual Fund Overlap Calculator
How much two funds hold in common. Enter each fund's holdings with their portfolio weights; shared weight for a stock is the smaller of the two weights, and the total is the overlap.
Fund A holdings
| Stock | Wt % |
|---|
Fund B holdings
| Stock | Wt % |
|---|
Matched holdings
| Stock | Fund A | Fund B | Shared |
|---|
Mandatory disclaimerOverlap % is based on the portfolio weights you input. Actual mutual fund portfolios change over time and this calculator only reflects the snapshot you provided. This is an educational tool. It does not constitute a recommendation to invest in, redeem or switch any mutual fund scheme.
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.
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
How is the retirement corpus calculated?
How much money do I need to retire in India?
Why does inflation make such a big difference?
Should I include my EPF or PPF balance?
Can I use this as a FIRE calculator?
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