Retirement Planning Calculator
Work out the corpus you need at retirement after inflation, what you are on track for, and the monthly investment that closes the gap — plus what waiting five years to start would cost.
Free · No sign-up · Nothing leaves your browser · Figures reviewed 22 September 2026
Your details
Planning short is the expensive error. Eighty-five is a common planning assumption.
What you would need to live on, in today's money.
Include your provident fund balance.
Include your EPF contribution if you counted the balance above.
Lower, because the portfolio usually shifts towards safety.
Corpus needed at 60
₹8,16,24,206
You are on track for ₹8,41,68,258, which is ₹25,44,052 more than you need.
What retirement will cost
- Monthly expenses today
- ₹60,000
- Monthly expenses at 60
- ₹3,06,701
- Years to fundFrom 60 to 85
- 25 years
- Real return in retirement7% return less 6% inflation
- 0.9%
- Corpus needed
- ₹8,16,24,206
Inflation at 6% roughly 5.1× your expenses over 28 years. This is the number people underestimate most.
Where you are heading
- Corpus today
- ₹15,00,000
- Monthly investment
- ₹25,000
- Assumed return until retirement
- 11%
- Projected corpus
- ₹8,41,68,258
- Surplus
- ₹25,44,052
What it takes
- Monthly investment required
- ₹23,870
- Against what you invest now
- ₹25,000
- Difference
- ₹0
- Starting five years later costsExtra you would have to invest each month to reach the same corpus
- ₹27,945
Your provident fund balance is part of this corpus. Include it in the corpus figure and your EPF contribution in the monthly investment, or you will double-count the gap.
Every figure here rests on assumed returns over decades. Treat the direction as useful and the precision as false — and revisit it every few years.
A projection, not a promise. Rates and returns move, and small changes compound over decades — revisit the assumptions rather than treating the output as a plan.
The number people underestimate is inflation. At 6%, your expenses roughly triple over thirty years, so a corpus sized against today's spending funds about a third of the retirement you were picturing.
The other number worth looking at is the last line: what starting five years later costs in extra monthly investment. It is usually the most persuasive figure on the page.
Frequently asked questions
- How much money do I need to retire in India?
- It depends on your spending, not on a round number. Take your current monthly expenses, inflate them to your retirement date, and fund them for the years you expect to live afterwards at a return above inflation. This calculator does exactly that.
- Does my PF count towards retirement savings?
- Yes, and it is usually a substantial part of it. Include the balance in your current corpus and your EPF contribution in the monthly investment figure — or you will double-count the gap.
- What return should I assume for retirement planning?
- Something you would be comfortable defending to yourself in a bad decade. Assume less after retirement than before it, because the portfolio usually shifts towards safety, and revisit the whole plan every few years rather than trusting a thirty-year projection.
- What does delaying retirement saving cost?
- Considerably more than the amount not saved, because compounding does most of the work in the final years. The calculator shows the extra monthly investment that starting five years later would require.
About this tool
Built by the ViniOffice team. Figures and rules last reviewed 22 September 2026 against the statutory reference this team maintains. Indian statutory rates are date-effective and change by notification — confirm against the current one before running payroll or filing. A projection, not a promise. Rates and returns move, and small changes compound over decades — revisit the assumptions rather than treating the output as a plan.
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