Retirement Calculator

Inflation erodes the purchasing power of money over time. A monthly expense of ₹50,000 today will cost nearly ₹2.87 Lakhs in 30 years at a modest 6% inflation rate. If you do not account for inflation, your retirement corpus will fall short quickly.

The Required Corpus is the target amount of savings you need to accumulate by your retirement age to sustain your inflated monthly expenses throughout your expected lifetime.

It compounds your current lump sum savings plus your future monthly savings/SIP investments at your expected return rate over the years remaining until retirement.

If your expected savings fall short of your required corpus, you can: 1. Increase your monthly investment. 2. Step up your annual investment rate. 3. Delay retirement by a few years. 4. Adjust post-retirement expense expectations.

Yes! A negative shortfall represents a "Surplus", meaning your projected savings (Expected Corpus) exceed your target requirement, providing extra financial buffer.

For long-term accumulation (10+ years), a blended return of 10% to 12% is reasonable if you maintain a balanced portfolio of equity mutual funds and debt instruments.

Yes, this calculator conservatively assumes that your retirement corpus grows at a rate that matches inflation post-retirement. This protects your principal from eroding due to cost-of-living rises.

No, completely moving to debt or cash can cause your corpus to run out due to inflation. Maintaining a 20-30% allocation in balanced hybrid or equity savings funds helps generate inflation-beating returns.

The Rule of 25 states that you should save at least 25 times your annual expenses before retiring. If your annual expense at retirement is ₹10 Lakhs, your target corpus should be at least ₹2.5 Crores.

You should review your retirement plan at least once a year or whenever you experience significant life events, such as salary hikes, changing expenses, or major adjustments in expected return cycles.