Will you have enough to retire?

Estimate your retirement corpus, required monthly investment, retirement income gap and retirement readiness based on your own assumptions.

Your retirement plan

Personal profile

Current age

Retirement age

Life expectancy

Current finances

Monthly income (₹)

Monthly expenses (₹)

Current retirement investments (₹)

Current monthly investment / SIP (₹)

Default is 20% of monthly income; you can edit it.

Accumulation assumptions

Annual SIP increase (%)

Expected pre-retirement return (%)

Expected inflation (%)

Retirement assumptions

Expected post-retirement return (%)

Other monthly retirement income (₹)

Pension, rent, annuity, etc. — today's value.

Desired retirement legacy / terminal corpus (₹)

Advanced

Future one-time retirement contribution (₹)

Amount expected to be available at retirement.

Illustrative planning model only. Actual returns, inflation, taxes and investment outcomes can vary materially. This calculator does not constitute investment advice.

Retirement readiness

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Enter your assumptions and calculate.

Required corpus

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Projected corpus

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Required SIP today

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Monthly shortfall at retirement

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Estimated funding gap

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This is the amount by which the projected retirement corpus falls short of the estimated requirement.

Plan summary

Years to retirement—

Retirement years funded—

Monthly expense at retirement—

Other retirement income—

Initial portfolio withdrawal—

Your retirement result will appear here.

How the calculation works

Today's monthly expenses are inflated to retirement. Retirement spending is then projected year-by-year using the general inflation assumption. Other retirement income is also grown with inflation. The required corpus is the present value at retirement of the resulting net withdrawals plus the desired terminal corpus. The projected corpus is built from the current retirement investments plus a monthly SIP that increases annually by the selected step-up rate.