SolveItByTechCalculators

Retirement Planning Calculator

Estimate the retirement corpus and monthly savings required to sustain your lifestyle

Yrs
Yrs
₹
₹ 15,000₹ 3,00,000
%
Calculation Result
Required Retirement Corpus
₹7,64,27,465
Monthly savings needed today: ₹21,651
Future Monthly Expense
₹2,87,175
Years to Save
30 Years
Retirement Duration
25 Years

How this calculator works

1

Input your current age, planned retirement age, and estimated life expectancy.

2

Specify your current monthly living expenses and expected inflation rate.

3

Discover the total corpus needed on retirement day and required monthly savings.

Formula & Mathematics

Retirement Corpus Present Value of Annuity Formula
Corpus = Expense_{ret} × [(1 - (1 + r_{real})⁻ⁿ) / r_{real}]

Where r_real is the inflation-adjusted post-retirement return rate, and n is the years spent in retirement.

Worked Example

30-Year-Old Retiring at 60 with ₹50,000/mo Expenses

30 years to retirement, 25 years in retirement, 6% inflation.

• Monthly expenses at age 60 will inflate to ~₹2,87,000/month
• Total corpus required at retirement: ~₹6.2 Crores
• Target monthly savings required today: ~₹18,000/month at 12% returns
Investing ₹18,000/month bridges your future retirement gap.

Frequently Asked Questions

At 6% annual inflation, prices double roughly every 12 years. What costs ₹50,000 today will cost ₹2,87,000 after 30 years.

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