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Retirement Calculator

Plan your retirement — corpus needed, savings target & withdrawal simulation

Years to Retire
0
Corpus Needed
₹0
Monthly SIP Needed
₹0
Retirement Expenses/Mo
₹0
Monthly expenses at retirement (inflation-adj.)₹0
Retirement corpus required₹0
Future value of current savings₹0
Additional corpus to build₹0
Monthly SIP required (at pre-ret. return)₹0
Retirement lasts0 years
Not professional advice. This calculator is for informational and educational purposes only, based on publicly available rules and rates at the time of writing. It is not a substitute for advice from a qualified chartered accountant, tax professional, or financial advisor — please verify important decisions with one. See our full disclaimer for details.
Last reviewed: October 2026 — rates/slabs checked against official sources. See our methodology.
How Retirement Planning Works

Your monthly expenses today will be higher at retirement due to inflation. We first find the inflation-adjusted expense at retirement, then calculate the corpus needed to sustain those withdrawals (using SWP — Systematic Withdrawal Plan) over your retirement years, earning a post-retirement return.

The difference between the required corpus and your current savings (grown to retirement age) is the gap you need to fill via monthly SIP.

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What is Retirement Calculator?

Plan your retirement with our free calculator. Know how much corpus you need, monthly savings required, and how long your money will last. India-specific financial calculators built for the Indian tax system, RBI guidelines, and Indian banking rates. TekPulse's Retirement Calculator is completely free — no signup, no ads in results, and no data stored on our servers.

How to Use Retirement Calculator Online

  1. Enter your current age and the age at which you plan to retire
  2. Enter your current monthly expenses and expected inflation rate
  3. Enter your current savings and the expected return on investment
  4. View the retirement corpus required and the monthly SIP needed to reach that target
  5. Adjust the post-retirement withdrawal period (life expectancy minus retirement age)

Retirement Calculator Formula & Calculation

Corpus needed = Monthly expense × 12 × 25 (4% withdrawal rule)

Inflation-adjusted future expense = Current monthly expense × (1 + inflation rate)^years to retirement.

Example: Current expenses ₹50,000/month, retirement in 25 years, 6% inflation, 12% growth during accumulation, 8% post-retirement.
Future monthly need = ₹50,000 × (1.06)²⁵ = ₹2,14,594/month.
Corpus needed for 25 years of retirement ≈ ₹5.2 crore.
Monthly SIP needed for 25 years at 12% = ₹37,000/month.

Key Factors That Affect Your Result

  1. Inflation — 6% inflation halves purchasing power in 12 years. Retiring at 60 with a ₹50K/month lifestyle will require ₹2.14L/month at 85 — plan your corpus accordingly.
  2. Life expectancy — Plan to age 85–90. Running out of money at 75 is the single biggest retirement risk for Indians. NPS and annuities help ensure income for life.
  3. Post-retirement income — NPS mandatory annuity, rental income, dividends, and part-time consulting can significantly reduce the lump-sum corpus needed. Even ₹30,000/month in passive income saves ~₹90L in required corpus.
  4. Healthcare costs — Budget 2–3× your current monthly medical expense post-retirement. Medical inflation in India runs at 10–14% annually. A senior citizen health policy of ₹25–50L sum insured is essential before retirement.

Why Use TekPulse Retirement Calculator?

Runs Entirely in Your Browser
Your retirement inputs are calculated locally — nothing is sent to our servers
100% Free
No hidden charges, no premium tier — always free
Instant Results
Required SIP and corpus update as you type
Educational, Not Advice
For planning only — verify with a financial advisor

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Frequently Asked Questions

A common rule is to have 25–30 times your annual expenses saved at retirement (the 4% withdrawal rule). For example, if you spend ₹60,000/month (₹7.2L/year), you need ₹1.8–2.16 crore corpus.

SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount monthly from your mutual fund corpus after retirement. This replaces a monthly salary and the remaining corpus continues to grow.

Inflation erodes purchasing power. If today's monthly expense is ₹50,000 and inflation is 6%, in 25 years you will need ₹2.15 lakh per month. Always plan for inflation-adjusted expenses.

A diversified mix works best: NPS (tax benefits, low cost), PPF (safe, tax-free), and equity mutual funds (long-term growth). Gradually shift to debt funds 5–10 years before retirement to reduce risk.

NPS (National Pension System) is a government-backed pension scheme. Contributions qualify for extra ₹50,000 tax deduction under Section 80CCD(1B). At maturity, 60% is tax-free withdrawal and 40% must be used to buy an annuity.

Start as early as possible — ideally in your 20s. Thanks to compounding, ₹5,000/month invested at 25 at 12% p.a. grows to ₹3.24 crore by 60. Starting at 35 with the same amount gives only ₹1.07 crore.

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