Retirement calculator
The number that matters is not your salary at retirement — it is what your expenses will cost by then, and for how long.
Corpus needed
₹5.14 Cr
Monthly SIP from today
₹27,073
Monthly expense then
₹2.15 L
in 25 years
₹50,000 of expenses today becomes ₹2.15 L a month by age 60 at 6.0% inflation. Funding that from 60 to 85 needs roughly ₹5.14 Cr — about ₹27,073 a month starting now.
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This calculator is an illustration based on the rate of return you selected. It is not a projection or a guarantee. Mutual fund returns are not fixed and vary with market conditions. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How this is calculated
Your current monthly expense is inflated to your retirement age, then the corpus is calculated as the present value of that income lasting until the age you plan to. During retirement we use the real return — the post-retirement return less inflation — so your withdrawals keep pace with prices instead of shrinking.
Assuming a lower return after retirement than before is deliberate. Portfolios usually shift toward debt once the income stops.