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Retirement Planner
🌅 Retirement Planner
Most retirement shortfalls happen because people plan around today's expenses and forget inflation will roughly double costs every 12 years. This calculator projects your future monthly expenses and works out the corpus — and the monthly SIP — needed to fund them.
How the corpus is worked out
Future Monthly Expense = Current Expense × (1 + inflation)^years-to-retire
Real Rate of Return = (return − inflation) / (1 + inflation)
Corpus Needed = Future Expense × 12 × [(1 − (1+RealRate)^−retirement-years) / RealRate]
The calculator first inflates your current monthly expense forward to the year you retire, then sizes a corpus large enough that, drawn down monthly at your expected post-retirement investment return, it lasts through your full retirement-years estimate without running out. It then reverse-engineers the monthly SIP needed between now and retirement to build that corpus.
Why inflation breaks naive retirement plans
At 6% inflation, prices roughly double every 12 years. Someone spending ₹50,000/month today who retires in 30 years will need close to ₹2,87,000/month just to maintain the same lifestyle — not because they're spending more, but because money buys less. This is the single most common mistake in DIY retirement planning: using today's expense number for a calculation that spans decades.
Frequently Asked Questions
Why does the corpus number look so large?
Because it has to cover potentially 20-30 years of inflated future expenses, not just one year. A corpus that looks enormous today is sized to last decades while still earning a return — most of it stays invested and keeps growing even as you draw from it.
What return should I assume after retirement?
Most planners assume a more conservative post-retirement return than pre-retirement, since the priority shifts from growth to capital preservation — a mix of debt instruments and some equity exposure rather than an aggressive all-equity portfolio.
Does this account for NPS, EPF, or existing investments?
No — this calculator shows the total corpus and SIP needed from scratch. If you already have EPF, NPS, or other investments building toward retirement, subtract their projected maturity value from the corpus figure to find your remaining gap.
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