Retirement Calculator – Corpus, Savings & Gap Analysis

Your Details

Age & Timeline

Current Age 30 yrs

Age must be 18–70

Please enter your current age

Retirement Age 60 yrs

Retirement age must be > current age

Life Expectancy 80 yrs

Life expectancy must be > retirement age

Expenses & Inflation

Current Monthly Expenses ₹50 K

Minimum ₹5,000 required

Please enter monthly expenses

Expected Inflation Rate (%) 6.0% p.a.

Inflation must be 2%–15%

Returns & Investments

Expected Return (Pre-Retirement) (%) 12.0% p.a.

Return must be 4%–20%

Expected Return (Post-Retirement) (%) 7.0% p.a.

Return must be 2%–15%

Existing Savings / Investments ₹5 L

Monthly Investment (SIP / Savings) ₹15 K

Corpus Breakdown

Required Corpus

Savings at Retirement

Gap / Surplus

Retirement Summary

Retirement Readiness Score

0 /100

Calculating…

Required Retirement Corpus Loading…

₹ 0

Future Monthly Expense

—

— × today's expense

Savings at Retirement

—

— yrs to retirement

Years to Retirement

—

Retirement Duration

—

Future Monthly Expense

—

Required Corpus

—

Savings at Retirement

—

Gap / Surplus

—

Additional Monthly SIP Needed

—

Purchasing Power (Today's ₹)

—

Monthly Income After Retirement (Corpus Drawdown)

Monthly Withdrawal

—

Corpus Lasts Until Age

—

Corpus vs Savings vs Gap

Savings at Retirement₹0

Gap₹0

Required Corpus₹0

Smart Insights

Scenario Comparison

Scenario A mirrors your current values. Scenario B uses a more optimistic 2% higher return — edit any field and click Compare.

Scenario A (Current)

Pre-Ret Return (%)

Inflation (%)

Monthly SIP (₹)

Scenario B (Compare)

Pre-Ret Return (%)

Inflation (%)

Monthly SIP (₹)

Metric	Scenario A	Scenario B

Savings Growth Schedule

Growth Schedule

Year 1

Year 1 breakdown

Opening Balance

—

SIP Invested

—

Closing Balance

—

Existing Savings Growth

SIP Contribution

Disclaimer: Results are estimates based on assumed constant inflation and return rates (FY 2026-27). Actual retirement outcomes may differ due to market volatility, changing expense patterns, tax implications, and policy changes. This tool is for educational and planning purposes only — please consult a SEBI-registered financial advisor for personalised retirement planning.