Retirement Calculator

Q: Why are there two different rates of return?

Your investment strategy typically changes over time. Pre-retirement , you can often take on more risk for higher returns (e.g., investing in equities). Post-retirement , the focus shifts to capital preservation, so you might move your money to safer, lower-return investments (e.g., bonds or fixed deposits). This calculator accounts for that strategic shift.

Secure your golden years by planning your retirement today.

Current Age 30 Years

Retirement Age 60 Years

Current Monthly Expenses ₹ 50,000

Expected Inflation Rate 6%

Return on Investment (pre-retirement) 12%

Return on Investment (post-retirement) 7%

You will need a retirement corpus of

₹ 1.7 Crores

To build this corpus, you need to invest

₹ 10,000 per month

Assuming you live until 85 years of age.

Why Plan for Retirement?

Retirement planning is the process of setting financial goals for your post-work life and taking steps to achieve them. A solid plan ensures you have enough money to live comfortably without having to rely on others. The earlier you start, the more time your money has to grow, thanks to the power of compounding.

Frequently Asked Questions (FAQ)

A retirement corpus is the total sum of money you need to accumulate by the time you retire to cover your living expenses for the rest of your life. This calculator estimates your required corpus by considering your future expenses (adjusted for inflation) and how long you'll need the money to last.

Your investment strategy typically changes over time. Pre-retirement, you can often take on more risk for higher returns (e.g., investing in equities). Post-retirement, the focus shifts to capital preservation, so you might move your money to safer, lower-return investments (e.g., bonds or fixed deposits). This calculator accounts for that strategic shift.

Inflation is the rate at which the cost of living increases, reducing the purchasing power of your money over time. A 6% inflation rate means that something costing ₹100 today will cost ₹106 next year. It's a critical factor because the ₹50,000 you spend monthly today will be much less valuable in 20 or 30 years. Our calculator factors this in to ensure your retirement fund is sufficient for your future needs.