Retirement Calculator - Estimate Your Retirement Savings & SIP

Calculate your retirement corpus, assess savings gap, and determine the monthly investment required.

Reviewed for Budget 2025 • Last updated 22 June 2026 • by Sandesh D.

Retirement Planning Parameters

Current Age30 Years
Retirement Age58 Years
Current Monthly Expense₹50,000
₹
Inflation Rate (% p.a.)6%
Life Expectancy80 Years
Pre-Ret. Return12%
Post-Ret. Return8%
Current Retirement Savings₹10,00,000
₹

Retirement Summary

Covered by Savings (44%)Remaining Gap (56%)
Required Corpus₹5,48,06,479
Future Monthly Expense₹2,55,584
Savings Gap₹3,09,22,613
Required Monthly SIP₹11,210
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Calculation Methodology & Rules

The Retirement Calculator helps you plan for your financial independence by calculating the exact corpus you will need and the monthly SIP required to reach it.

1. Inflation-Adjusted Expenses at Retirement

Your current annual expense is projected to your retirement age using:

Expense at Retirement = Current Annual Expense × (1 + Inflation Rate / 100)Years to Retire

2. Real Post-Retirement Return

Post-retirement, your money continues to grow, but inflation continues to erode it. The real rate of return is calculated as:

Real Return = [(1 + Post-Retirement Return %) / (1 + Inflation %)] - 1

3. Total Corpus Needed

We find the present value of an annuity that grows with inflation. If the real return is exactly 0:

Corpus = Expense at Retirement × Retirement Years

Otherwise, the formula is:

Corpus = Expense at Retirement × [1 - (1 + Real Return)-Retirement Years] / Real Return

For detailed rules, formulas, references, and official guidelines, see the complete Ganakam Calculation Methodology.

Frequently Asked Questions

You need a corpus large enough to fund your inflation-adjusted expenses throughout your post-retirement life expectancy. This tool estimates it by growing your current expenses by inflation and calculating the present value of an annuity based on post-retirement return assumptions.

The monthly investment required depends on the retirement corpus gap. If your existing savings are projected to fall short of the required retirement corpus, this calculator back-calculates the monthly SIP required at your assumed pre-retirement rate of return.

Inflation erodes the purchasing power of your money over time. A monthly expense of ₹50,000 today will require ₹2,55,584 per month in 28 years at a moderate 6% inflation rate. Failing to account for inflation is the most common reason people run out of money in retirement.