Protect • Retirement

Retirement Calculator

Estimate the retirement corpus you may need by connecting today's expenses, inflation, retirement age, expected returns and years in retirement.

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Retirement Calculator

Current monthly retirement expenses (₹) Current age Retirement age Life expectancy age Inflation before retirement (% p.a.) Expected post-tax return during retirement (% p.a.)

Monthly expense at retirement—

Years in retirement—

Approx. corpus—

Retirement is a cash-flow problem

Your target is not simply a large number. It is the ability to fund expenses for a long period while prices rise and investments earn returns.

Stress test: Run the calculator with higher inflation and lower returns. A plan that works only under optimistic assumptions is fragile.

What belongs in a retirement plan

SEBI's investor resources include retirement trackers, annual retirement income tools, cost-of-delay tools and financial goal planners — a useful reminder that retirement planning is more than one corpus number.

Variables that can change your retirement number

• Inflation and healthcare costs
• Retirement age
• Life expectancy
• Existing EPF/NPS/PPF and other assets
• Future contributions and their annual increases
• Post-retirement asset allocation and withdrawal rate

Cost of delay

Starting later generally leaves less time for contributions and compounding. SEBI provides a dedicated cost-of-delay calculator for understanding this effect.

Frequently Asked Questions

Does retirement planning need an inflation assumption?

Yes. Ignoring inflation can make a future expense target look artificially small.

Should I use my current expenses as my retirement expenses?

Use today's expenses as a starting point, then consider which costs may disappear, increase or appear after retirement.

Important: This calculator is for educational illustration only. Actual outcomes depend on product terms, taxes, fees, market returns, timing and individual circumstances. Verify important financial decisions with the relevant institution/professional.

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