Retirement Calculator
Estimate the retirement corpus you may need, whether current savings and SIPs are on track, and the monthly investment required to close any gap.
Assumptions and limitations
- Monthly expenses are inflated to retirement age using the selected inflation rate.
- Corpus requirement assumes withdrawals at the start of each month during retirement.
- Pre-retirement corpus uses monthly SIPs made at the start of each month.
- The model does not include tax, insurance, medical emergencies or estate goals.
Illustrative projections only
SmartFintool provides mathematical calculations and educational information. It does not provide personalised investment advice. Mutual fund returns are not guaranteed and tax rules can change.
- Page last updated:
- Methodology reviewed:
- Sources last checked:
₹50.00 K
Projected shortfall
₹2.13 Cr
Increase investments or adjust assumptions
Required Corpus
₹7.68 Cr
Projected Corpus
₹5.55 Cr
Monthly Expense at Retirement
₹2.87 Lakh
Action plan
Consider investing about ₹9.33 K per month to reach the required corpus.
- Years to retire
- 30
- Retirement years
- 25
- Sustainable monthly withdrawal
- ₹2,07,601
How retirement corpus is calculated
First, current monthly expenses are inflated until retirement. The calculator then estimates the corpus required to fund those expenses through the retirement period using a conservative post-retirement real return. It separately projects existing savings and monthly investments, then calculates the SIP needed to cover any shortfall.
Frequently Asked Questions
How much retirement corpus do I need?
A common approach is to estimate inflated monthly expenses at retirement and capitalise them using a conservative post-retirement real return. The calculator does this automatically.
Are the returns guaranteed?
No. Pre- and post-retirement returns are assumptions. Actual investment returns, inflation, taxation and spending will differ.