Retirement Calculator
Enter your age, monthly spending and the life you want after 60. We estimate the corpus you will need and the monthly and daily SIP to get there, adjusted for inflation.
How old are you?
18
55
How much do you spend a month?
₹10k
₹5L
The retirement you want
How do you invest?
You'll need to retire
₹5.77 Cr
to retire at 60 on ₹2.30 L/mo
Invest every month
₹13,189/ month
that's about ₹434/day with BlinkMoney
Assumes you retire at 60 and plan for 25 years, with 6% inflation. Returns per your choice above. Illustration only. *T&C apply
What is a retirement calculator?
A retirement calculator tells you two things: how much money you will need when you stop working, and how much to invest every month to build it. You enter your current age, what you spend today, and the kind of retirement you want. We handle inflation and return assumptions for you.
The best retirement calculator considers inflation, life expectancy, investment returns and lifestyle expenses together to give a realistic estimate. This one does that, showing the corpus at retirement and the flat monthly SIP needed from now to age 60, side by side, with no spreadsheet needed.
How this calculator helps you
- Works out the corpus you need at 60 for Simple, Comfortable or Lavish lifestyles.
- Converts that corpus into a clear monthly and daily SIP so you can start small.
- Shows how the number changes if you invest safely (7%) or aggressively (13%).
- Makes it easy to compare starting at 25 vs 30 vs 35 and see the cost of waiting.
Why retirement planning matters in India
Retirement planning in India is different because very few jobs provide a guaranteed pension. Your savings must cover decades of spending on your own. This calculator helps you see the real cost in today's rupees, understand how inflation and the number of years you live after 60 change the amount, and turn that goal into a simple monthly plan.
- Most private jobs do not give a lifelong pension, so you fund it yourself.
- Healthcare and living costs keep rising, so today's spending is not tomorrow's need.
- Starting early lowers the monthly amount by a lot, as the example below shows.
How to use it
The calculator uses five steps to give a realistic estimate.
- Tell us your current age and the age you want to retire, which we set at 60.
- Set what you spend every month today, from ₹10,000 to ₹5,00,000.
- Pick a lifestyle. Simple is 60% of current spending, Comfortable is the same, Lavish is 1.5×.
- We project that spending to age 60 at 6% inflation and estimate how many years your money must last, up to 85.
- Choose how you invest. Safe at 7% or Aggressive at 13%, then read your corpus and monthly or daily SIP instantly.
How we calculate
We keep the maths transparent so you can check it:
Assumptions
- Retire at 60, plan to 85 (25 years). After retirement your corpus earns 7% a year.
- Inflation is 6% a year. Your desired spending at 60 = current spending × lifestyle × 1.06^(60 − age).
- Corpus is the present value of that inflated spending for 25 years. Monthly SIP is what grows to that corpus at 7% or 13%.
This is an illustration, not advice. Actual inflation, returns and taxes will differ. Use it to plan a range, then speak to a SEBI-registered adviser for personal decisions.
Why inflation and life expectancy matter
Inflation reduces what your money can buy. What costs ₹50,000 today becomes about ₹2.15 lakh in 25 years at 6% inflation. At the same time, many Indians now live well beyond 80, so your savings must last longer than before.
If you ignore either one, you risk running out of money, needing to cut spending sharply, or depending on family later in life. Planning with realistic assumptions keeps your plan honest.
- Higher inflation means higher future expenses and a larger corpus.
- Longer life means more years of withdrawals, so the corpus must be bigger.
- This calculator uses 6% inflation and plans to 85 for that reason.
How much corpus is enough
A common rule of thumb in India is to aim for 20 to 30 times your annual spending at retirement, depending on lifestyle. Urban living with travel and healthcare often needs the higher end. For example, if you spend ₹6 lakh a year today, a corpus of ₹1.5 to 2 crore or more is often quoted before adjusting for inflation. Use the table below to see how your own numbers compare.
Example: what the same spending looks like at different ages
The corpus changes with age because today's spending is inflated for a different number of years before age 60. The SIP also changes because a younger person has longer to invest.
| Profile | Corpus at 60 | Monthly SIP @13% | Monthly SIP @7% |
|---|---|---|---|
| 30y, ₹40k, Simple | ₹3.46 Cr | ₹7,913/mo | ₹28.4k/mo |
| 30y, ₹40k, Comfortable | ₹5.77 Cr | ₹13,189/mo | ₹47.3k/mo |
| 30y, ₹40k, Lavish | ₹8.65 Cr | ₹19,783/mo | ₹70.9k/mo |
| 25y, ₹40k, Comfortable | ₹7.72 Cr | ₹9,155/mo | ₹42.9k/mo |
| 35y, ₹40k, Comfortable | ₹4.31 Cr | ₹19,182/mo | ₹53.2k/mo |
FAQs
How much corpus do I need to retire in India?
It depends on your monthly spending, age and how you want to live after 60. We inflate your chosen spending to the age of 60 at 6% per year, then estimate what you need to fund 25 years (60 to 85) assuming your corpus earns 7% after retirement. For example, a 30-year-old spending ₹40,000 a month today who wants the same lifestyle at 60 will need about ₹5.77 crore to draw about ₹2.3 lakh a month after retirement.
How is the monthly SIP calculated?
We use the same end-of-month contribution formula as the calculator and work backwards. If you need ₹5.77 crore in 30 years, the monthly SIP is about ₹13,189 at 13% a year, or about ₹47,281 at 7%. The daily figure is the monthly amount multiplied by 12 and divided by 365, so ₹13,189 a month is about ₹434 a day.
What does Simple, Comfortable and Lavish mean?
Simple assumes you will spend 60% of what you spend today, Comfortable assumes the same amount, and Lavish assumes 1.5 times. It is just a quick way to model a leaner, same or higher-cost retirement without entering a detailed budget.
Should I choose Safe 7% or Aggressive 13%?
Safe 7% is close to what debt-heavy options like PPF or FDs have delivered, Aggressive 13% is close to long-term equity mutual funds. Most people look at both to see the range. If you invest more in equity and have time, use the aggressive number as your primary plan and keep the safe number as a stress test.
Does this include inflation and life expectancy?
Yes. We assume 6% inflation until retirement and plan for 25 years after 60 (up to 85). Your money after retirement is assumed to earn 7% a year. The calculator does not accept existing savings, so the SIP shown assumes you are building the full corpus from monthly contributions.
Can I change the retirement age or life expectancy?
Not in this version. The calculator always assumes retirement at 60 and withdrawals through age 85. The age slider is your current age, so it changes both the years of inflation and the years available to build the corpus.
This calculator gives an estimate, not a guarantee. Returns, inflation, taxes and health costs will change the outcome. Review every year and speak to a SEBI-registered adviser for personal advice. *T&C apply.