Retirement Planning Calculator
Plan the corpus you need to retire and the monthly SIP to get there.
Retirement Corpus Needed
₹7.67 Cr
To sustain ₹2.87 L/mo for 25 years
Monthly SIP Required
₹17.49 K
for 30 years at 12% p.a.
Future Monthly Expense
₹2.87 L
Years to Retire
30
Years of Retirement
25
Savings at Retirement
₹1.50 Cr
Retirement Planning Calculator visual insights
Projected corpus
₹1.61 Cr
Growth
₹1.25 Cr
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About Retirement Planning Calculator
Retirement Planning Calculator helps you project retirement corpus, pension, provident fund value, and long-term savings maturity using India-focused assumptions and INR formatting. Plan the corpus you need to retire and the monthly SIP to get there.
This tool is useful for Indian families and salaried employees planning PPF, EPF, NPS, pension, gratuity, and small-savings schemes. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
How much corpus do I need to retire?
A common rule is 25-30× your annual post-retirement expense. This calculator uses a more precise method that accounts for inflation during retirement and real rate of return.
At what age should I start retirement planning?
Ideally from your first job. Starting 10 years later can more than double the monthly SIP required due to compounding.
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Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026