Today's monthly expenses, inflated to the year you retire, set the income the corpus must pay. The corpus needed is the amount that, growing at the post-retirement return and paying an inflation-rising income, lasts to the life expectancy you choose.
Age now
Retire at
Plan toLife expectancy to plan for
Monthly expenses today
₹
₹60,000Inflation
%
Return before retirement
%
Return after retirement
%
Retirement savings so far
₹
₹15.00 LInvesting now, a month
₹
₹25,000Raising it each year by
%
RESULTS
Corpus needed at 60₹8.15 crpays ₹3,06,701 a month at 60, rising with inflation to 85
Projected corpus₹11.72 crsavings + ₹25,000 a month rising 5% a yr
Surplus₹3.57 cr
Monthly SIP you could stop at₹9,162
Expenses at 60₹3,06,701 a month₹60,000 today at 6.0% inflation
Inflation default: India CPI 5.49% (MOSPI, latest print).
The corpus is spent down to zero at the planned age; leaving an estate or a buffer for medical costs needs more.
Corpus built against the corpus needed
Projected corpus
Corpus needed
Year by year
How savings grow each year with your monthly contribution| Age | Monthly investing | Corpus |
|---|---|---|
| 33 | ₹25,000 | ₹19,92,068 |
| 34 | ₹26,250 | ₹25,57,002 |
| 35 | ₹27,563 | ₹32,04,030 |
| 36 | ₹28,941 | ₹39,43,489 |
| 37 | ₹30,388 | ₹47,86,951 |
| 38 | ₹31,907 | ₹57,47,374 |
| 39 | ₹33,502 | ₹68,39,260 |
| 40 | ₹35,178 | ₹80,78,839 |
| 41 | ₹36,936 | ₹94,84,267 |
| 42 | ₹38,783 | ₹1,10,75,858 |
| 43 | ₹40,722 | ₹1,28,76,329 |
| 44 | ₹42,758 | ₹1,49,11,089 |
| 45 | ₹44,896 | ₹1,72,08,545 |
| 46 | ₹47,141 | ₹1,98,00,457 |
| 47 | ₹49,498 | ₹2,27,22,331 |
| 48 | ₹51,973 | ₹2,60,13,851 |
| 49 | ₹54,572 | ₹2,97,19,366 |
| 50 | ₹57,300 | ₹3,38,88,441 |
| 51 | ₹60,165 | ₹3,85,76,456 |
| 52 | ₹63,174 | ₹4,38,45,286 |
| 53 | ₹66,332 | ₹4,97,64,060 |
| 54 | ₹69,649 | ₹5,64,10,000 |
| 55 | ₹73,132 | ₹6,38,69,365 |
| 56 | ₹76,788 | ₹7,22,38,503 |
| 57 | ₹80,627 | ₹8,16,25,020 |
| 58 | ₹84,659 | ₹9,21,49,091 |
| 59 | ₹88,892 | ₹10,39,44,922 |
| 60 | ₹93,336 | ₹11,71,62,376 |
Assumptions & formula
Expenses at retirement = today × (1 + inflation)years · Corpus = E × (1 − ((1 + g) ÷ (1 + i))n) ÷ (i − g) × (1 + i) — a monthly income E rising at g (inflation ÷ 12) for n months from a corpus earning i (post-retirement return ÷ 12), paid at the start of each month · the corpus built = savings and SIPs compounding at the pre-retirement return- Constant returns and inflation; taxes on withdrawals not deducted; no pension or rental income (subtract it from the expenses).
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.