Retirement / Pension Calculator
Today's ₹50,000 lifestyle costs ₹2.87 lakh a month in 30 years at 6% inflation. See the corpus that keeps you comfortable — and the SIP that builds it.
Corpus needed at 60
₹6.95 Cr
- Monthly expenses at 60
- ₹2,87,175
- Your savings will grow to
- ₹1.5 Cr
- Shortfall to fill
- ₹5.45 Cr
- Monthly SIP needed
- ₹15,436
Assumes expenses keep pace with inflation and the corpus stays invested through retirement. A pension plan or annuity can guarantee part of this income.
About this calculator
How it works
We inflate today's expenses to your retirement date, size a corpus that funds them for your chosen retirement span (with the corpus still earning returns), then compute the monthly SIP that closes the gap after your current savings grow.
The inflation trap
Inflation is the reason 'a few crores' may not be enough. At 6%, prices double roughly every 12 years — your corpus must outlast four decades of that.
Start early, need less
A 25-year-old may need less than half the monthly SIP of a 35-year-old for the same corpus. Time in the market beats amount invested.
Guaranteeing the floor
Many planners split retirement income: an annuity or pension plan guarantees essential expenses, while market investments fund the lifestyle on top. An advisor can model both.