Plan your retirement savings and calculate the monthly investment needed for your dream retirement
| Starting Age | Years to Invest | Monthly SIP (₹) | Total Investment (₹) | Corpus at 60 (₹) |
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The Retirement Calculator is an essential financial planning tool that helps you determine how much money you need to save for a comfortable retirement. By calculating your retirement corpus and monthly SIP requirements, this retirement planning calculator enables you to make informed decisions about your financial future and start building wealth systematically.
Retirement planning is one of the most crucial financial decisions you'll make in your lifetime. The retirement calculator helps you understand exactly how much you need to save and invest to maintain your desired lifestyle after you stop working. With inflation eroding purchasing power and increasing life expectancy, proper retirement planning has become more important than ever.
Our comprehensive retirement savings calculator requires several key inputs to provide accurate results:
The retirement calculator offers three lifestyle options to help you plan according to your aspirations:
50% of current expenses
80% of current expenses
120% of current expenses
The retirement planning calculator considers different investment approaches based on your risk appetite and return expectations:
Focus on capital preservation with fixed deposits, government bonds, and debt mutual funds. Lower risk but also lower returns.
Balanced approach with hybrid mutual funds, balanced equity-debt allocation. Moderate risk with reasonable returns for most investors.
Equity-focused portfolio with mutual funds, stocks, and growth investments. Higher risk but potentially higher long-term returns.
One of the most important insights from any retirement calculator is the dramatic impact of starting early. The power of compound interest means that even small amounts invested consistently over long periods can grow into substantial retirement corpus.
Starting at Age 25:
Starting at Age 35:
Several critical factors influence your retirement calculations:
Based on your retirement calculator results, consider these investment options:
Avoid these common errors when using a retirement calculator and planning your retirement:
Your retirement plan isn't a set-and-forget strategy. Regular reviews using the retirement calculator help ensure you stay on track:
The retirement calculator provides estimates based on your inputs and assumptions. Regular reviews and adjustments ensure greater accuracy over time.
Start with whatever amount you can afford and gradually increase it. Any systematic investment is better than none, and you can adjust as your income grows.
Absolutely. Inflation significantly impacts your purchasing power over long periods. Our retirement calculator factors in inflation to give realistic corpus requirements.
There's no one-size-fits-all answer. Your ideal corpus depends on your lifestyle expectations, location, health, and family situation. Use the retirement calculator to determine your personalized target.