Retirement Calculator
Estimate the corpus a set of retirement assumptions imply — today's expenses, inflation, years to retirement, years in retirement, and separate pre- and post-retirement return assumptions — plus the required monthly SIP to reach that corpus. This is an illustration based on the assumptions you enter, not a recommendation or a guarantee.
Your assumptions
Adjust the amounts below to see how the estimated corpus and required SIP change.
In rupees, per month, at today's prices.
Not a guarantee — a neutral assumption you choose.
Not a guarantee — used only for the SIP illustration, before retirement.
Not a guarantee — used only for the corpus illustration, during retirement.
Your estimate
Based on today's monthly expense of ₹50,000, 20 years to retirement, 6% assumed inflation, 25 years in retirement, a 12% assumed pre-retirement return, and a 7% assumed post-retirement return, your monthly expense at retirement is estimated at ₹1,60,357, implying an estimated corpus of ₹4,30,79,307 and a required monthly SIP of ₹43,116. This is an illustration of the assumptions entered, not a recommendation or a guarantee.
Aaj ₹50,000 ke monthly expense, 20 saal mein retirement, 6% assumed inflation, retirement mein 25 saal, 12% assumed pre-retirement return, aur 7% assumed post-retirement return ke aadhar par — estimated corpus ₹4,30,79,307 dikhta hai, aur ₹43,116 ki ek required monthly SIP. Yeh in assumptions ka ek mathematical illustration hai, koi recommendation ya guarantee nahi.
Inflation ya return assumptions badal ke dekhiye ki estimated corpus aur SIP kitne sensitive hain — yeh figures akele retirement readiness ki guarantee nahi dete.
Learn about this calculator
Assumptions ka ek set kya retirement corpus darshata hai iska andaaza lagata hai — aaj ka expense, inflation, retirement tak aur usme saal, alag pre- aur post-retirement return assumptions — aur us corpus tak pahunchne ke liye required monthly SIP.
Yeh calculator aapke current monthly expense ko aapki inflation assumption use karke retirement ke time tak project karta hai, phir us badhe hue expense ko aapke expected retirement years ke liye, ek assumed post-retirement return par, fund karne wali lump sum (corpus) ka andaaza lagata hai. Phir yeh alag se, ek assumed pre-retirement return par, us corpus ko retirement tak accumulate karne wale level monthly SIP ka andaaza lagata hai.
Yeh kaise kaam karta hai
Yeh shared engine ke retirementPlan() model ko use karta hai — do existing engines (corpus ke liye retirementCorpusNeeded(), SIP ke liye requiredSip()) ka ek composition, apna koi formula nahi — aur legacy /calculator page par general-purpose retirement tool se ek alag, purpose-built calculation hai, jo apna khud ka alag model use karta hai (dono phases ke liye ek hi rate, ek fixed 25-year retirement duration, aur ek ordinary-annuity corpus convention, versus is page ke alag pre-/post-retirement rates, adjustable retirement duration, aur annuity-due corpus convention). Dono equivalent nahi hain aur unhe compare nahi kiya jaana chahiye.
Har input ka matlab kya hai
- Current monthly expense
- Aaj aap per month kya kharch karte hain, aaj ki prices par.
- Years to retirement
- Aapke retire hone tak kitne saal hain.
- Assumed inflation
- Aapke dwara chuni gayi ek neutral assumption — koi forecast nahi.
- Years in retirement
- Corpus ko aapke expenses ka support kitne saalon tak karna hai.
- Pre-retirement return
- Retire hone se pehle aapke SIP par assumed return — sirf SIP illustration ke liye, koi guarantee nahi.
- Post-retirement return
- Retirement ke dauran remaining corpus par assumed return — sirf corpus illustration ke liye, koi guarantee nahi.
Results ka matlab kya hai
- Estimated corpus needed
- In assumptions ke tehat retirement par zaroori lump sum jo yeh calculation dikhati hai.
- Monthly expense at retirement
- Aapka current expense, inflation assumption dwara retirement ke point tak project kiya gaya.
- Required monthly SIP
- Abhi se retirement tak ka level monthly investment, jo yeh calculation dikhati hai ki estimated corpus accumulate karega — jab retirement tak 0 saal bache hon toh available nahi hai.
Assumptions
- Inflation, pre-retirement return, aur post-retirement return sabhi poore, aksar kai decades ke, period ke liye apni entered rates par bilkul bane rehte hain.
- Retirement mein monthly expenses aaj ke expense ke inflated version ko exactly follow karte hain.
- Pre-retirement return sirf accumulation-phase SIP illustration par apply hota hai; post-retirement return sirf retirement-phase corpus illustration par apply hota hai — dono kabhi mix nahi kiye jaate.
Limitations
- Real inflation, investment returns, aur aapke future expenses kai decades ke horizon par kisi bhi ek assumption se kaafi alag ho sakte hain.
- Exactly -100% ka post-retirement return corpus (aur required SIP) calculation ko mathematically undefined banata hai; us case mein estimated monthly expense normally display hota rehta hai.
- Retirement tak 0 saal hone par, corpus ki taraf monthly SIP chalane ke liye koi time nahi bachta, isliye us case mein bhi required-SIP figure available nahi hai.
Aam galtiyan
- Ek single corpus ya SIP figure ko ek fixed target maan lena jo ek comfortable retirement ki guarantee deta hai.
- Is figure ko directly legacy /calculator ke retirement estimate se compare karna, jo ek alag model (dono phases ke liye ek rate, ek fixed 25-year retirement duration) use karta hai.
- Yeh consider kiye bina pre- aur post-retirement return ke liye same number use karna ki aapka investment mix (aur isliye ek realistic assumed return) aksar dono phases ke beech kaafi alag hota hai.
Udaharan
Jaise, aaj ₹50,000 ka monthly expense, retirement tak 20 saal, 6% inflation, retirement mein 25 saal, 12% pre-retirement return, aur 7% post-retirement return kai crore rupees ki range mein ek corpus aur hazaaron rupees mein ek required monthly SIP ka illustration deta hai.
FAQ
Kya yeh woh retirement corpus ya SIP hai jise mujhe target karna chahiye?
Nahi — yeh assumptions ka ek illustration hai, koi recommendation nahi. Yeh aapke actual investments, other income, ya goals nahi jaanta.
Do alag-alag return assumptions kyun hain?
Pre-retirement return sirf accumulation-phase SIP illustration ke liye use hota hai; post-retirement return sirf retirement-phase corpus illustration ke liye. Inhe alag rakhne se aap invest karte samay aur withdraw karte samay alag return maan sakte hain.
Kya is corpus ya SIP tak pahunchna guarantee deta hai ki main financially ready hoon?
Nahi. Real inflation, returns, expenses, aur lifespan yahan use ki gayi kisi bhi assumption se kaafi alag ho sakte hain.
Ek alag target amount ki taraf ek level monthly SIP kaisa dikh sakta hai dekhne ke liye Required SIP Calculator dekhein, ya yeh dekhne ke liye ki ek corpus kaise withdraw kiya ja sakta hai, SWP Calculator dekhein.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.