Retirement Calculator

It estimates four things from the numbers you enter: your expenses at retirement, the retirement corpus needed, the amount still to build after your existing investments, and the starting monthly investment.

In the first field, enter the monthly expenses you expect to continue after retirement. In the second field, add any other regular monthly expenses that are not already included.

Avoid counting the same expense twice.

Inflation before retirement increases today's expenses up to your retirement age.

Inflation during retirement is used for the years after retirement, when your living costs may continue to rise.

Equity, debt, Gold/Silver and real estate have separate return inputs. These are used to estimate the future value of the existing investments you enter and the blended return for new monthly investments.

Enter your own post-tax assumptions. The calculator does not assume that any future return is guaranteed.

The calculator first estimates the total corpus required at retirement. It then estimates what your existing equity, debt, commodity/Gold-Silver and real-estate values could become by retirement using the return assumptions you entered, and also includes the lump sum entered for retirement.

The amount left after these values is the net corpus still to accumulate.

It is the weighted return from the equity, debt, Gold/Silver and real-estate return assumptions and the allocation percentages you entered.

If the four allocations add up to less than 100%, the balance is shown as Cash Equivalents in the monthly investment split. There is no separate return input for cash, so that balance is treated as 0% return in the blended-return calculation.

If you enter an annual increase, the starting monthly investment is allowed to rise once each year in the calculation.

Use 0% if you want to test a monthly investment that does not increase.

Today's monthly expenses are first increased up to retirement using the inflation-before-retirement rate you enter.

From retirement onward, the calculation works month by month because your expenses are entered as a monthly amount. Expenses rise using the monthly equivalent of your retirement inflation assumption, while each future expense is discounted using the monthly equivalent of your post-tax retirement return assumption.

The first retirement-month expense is treated as starting at retirement. New investments are also calculated month by month as end-of-month contributions, with the annual increase applied after every 12 monthly contributions.

This calculator is an estimate, not a prediction. Inflation, returns, expenses and your retirement age can all change.

The calculation happens in your browser. No phone number, email, PAN or bank details are required.