Retirement Calculator

Corpus you need to retire and the monthly SIP to build it.

How the Retirement Calculator works

Your current monthly expenses are grown by inflation until retirement. The corpus must then fund those rising expenses for every year of retirement while the remaining money keeps earning a (usually lower, safer) return. Finally, the calculator works out the monthly SIP needed to reach that corpus.

Retirement Calculator formula

Corpus = E × (1 + r) × [1 − ((1 + i) ÷ (1 + r))ⁿ] ÷ (r − i), where E = first-year expense at retirement · SIP = Corpus × j ÷ [((1 + j)ᵐ − 1) × (1 + j)]

Results are estimates for illustration only and not financial advice.

How to use the Retirement Calculator

Enter your current age, retirement age and current monthly expenses.
Set expected inflation and returns before and after retirement.
See the corpus you need and the monthly investment required to build it.

Retirement Calculator: FAQs

What return should I assume after retirement?

Most retirees move to safer debt-heavy investments, so a post-retirement return of 6–8% is a common assumption, lower than the 10–12% often assumed for equity before retirement.

Does this include EPF, NPS or other savings?

No. Subtract what your existing savings are expected to be worth at retirement from the corpus shown.

Is the Retirement Calculator free to use?

Yes. The Retirement Calculator on IPO Darbaar is free, needs no sign-up and works on mobile and desktop.

Is my data saved anywhere?

No. All calculations run in your browser; the numbers you enter are not sent to or stored on our servers.

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