Retirement planning calculator

🏖️

Retirement

Retirement Planning Calculator

Plan your retirement corpus based on today’s expenses, projected inflation, expected returns, and withdrawal needs after retirement.

Retirement Inputs

👤 Current Age

🏖️ Retirement Age

⏳ Life Expectancy

🧾 Monthly Expenses

₹

Enter expenses in today’s value

🏦 Existing Corpus

₹

Current investments or retirement savings already accumulated

🔥 Inflation (%) 6.00%

Default assumption: 6%

📈 Return till Retirement 12.00%

📉 Return in Retirement 8.00%

🏛️ Capital Gains Tax (%) 12.50%

Current rate assumed: 12.5%

Retirement Summary

⏳ Years to Retirement

30 years

🧾 Years in Retirement

25 years

🚪 First Withdrawal At

Start of 61

📈 Annual Exp at Retirement

₹ 34.46 L

💰 Post-tax Return

7.00%

🏦 Existing Corpus FV

₹ 0

💰 Corpus Required at Retirement

₹ 7.71 Cr

Net present value approach: withdrawal first, then post-tax return on balance

💳 Monthly SIP Required

₹ 21,856

Assumes monthly investment from now till retirement

📌 Show Schedule

Age	Corpus Start	Withdrawal	Return	Corpus End
61	₹ 7.71 Cr	₹ 34.46 L	₹ 51.59 L	₹ 7.89 Cr
62	₹ 7.89 Cr	₹ 36.53 L	₹ 52.65 L	₹ 8.05 Cr
63	₹ 8.05 Cr	₹ 38.72 L	₹ 53.62 L	₹ 8.20 Cr
64	₹ 8.20 Cr	₹ 41.04 L	₹ 54.50 L	₹ 8.33 Cr
65	₹ 8.33 Cr	₹ 43.51 L	₹ 55.27 L	₹ 8.45 Cr
66	₹ 8.45 Cr	₹ 46.12 L	₹ 55.91 L	₹ 8.55 Cr
67	₹ 8.55 Cr	₹ 48.88 L	₹ 56.40 L	₹ 8.62 Cr
68	₹ 8.62 Cr	₹ 51.82 L	₹ 56.72 L	₹ 8.67 Cr
69	₹ 8.67 Cr	₹ 54.93 L	₹ 56.85 L	₹ 8.69 Cr
70	₹ 8.69 Cr	₹ 58.22 L	₹ 56.75 L	₹ 8.68 Cr
71	₹ 8.68 Cr	₹ 61.71 L	₹ 56.41 L	₹ 8.62 Cr
72	₹ 8.62 Cr	₹ 65.42 L	₹ 55.78 L	₹ 8.53 Cr
73	₹ 8.53 Cr	₹ 69.34 L	₹ 54.83 L	₹ 8.38 Cr
74	₹ 8.38 Cr	₹ 73.50 L	₹ 53.52 L	₹ 8.18 Cr
75	₹ 8.18 Cr	₹ 77.91 L	₹ 51.81 L	₹ 7.92 Cr
76	₹ 7.92 Cr	₹ 82.59 L	₹ 49.66 L	₹ 7.59 Cr
77	₹ 7.59 Cr	₹ 87.54 L	₹ 47.01 L	₹ 7.19 Cr
78	₹ 7.19 Cr	₹ 92.80 L	₹ 43.80 L	₹ 6.70 Cr
79	₹ 6.70 Cr	₹ 98.36 L	₹ 39.98 L	₹ 6.11 Cr
80	₹ 6.11 Cr	₹ 1.04 Cr	₹ 35.48 L	₹ 5.42 Cr
81	₹ 5.42 Cr	₹ 1.11 Cr	₹ 30.23 L	₹ 4.62 Cr
82	₹ 4.62 Cr	₹ 1.17 Cr	₹ 24.14 L	₹ 3.69 Cr
83	₹ 3.69 Cr	₹ 1.24 Cr	₹ 17.14 L	₹ 2.62 Cr
84	₹ 2.62 Cr	₹ 1.32 Cr	₹ 9.13 L	₹ 1.40 Cr
85	₹ 1.40 Cr	₹ 1.40 Cr	₹ 0	₹ 0

Disclaimer: This tool is for educational purposes only.