Calculator
Retirement Calculator
Enter your age, when you want to retire and what you spend each month today. It works out your monthly expenses at retirement, the corpus needed to pay them for the rest of your life, and the SIP that gets you there.
How much do you need to retire?
Corpus needed at 60
₹8.09 Cr
Expenses at retirement
₹5.74 L/mo
Monthly SIP needed
₹26,262
Your ₹1,00,000 a month today becomes about ₹5,74,349 at 60. Funding that for 30 years needs ₹8.09 Cr. Your existing ₹0 could grow to ₹0, leaving ₹8.09 Cr to build through a SIP.
Age
Year-by-year table
| Age | Invested | Value |
|---|
Method from the Gamma Wealth dashboard: expenses inflate until retirement, then the corpus funds that monthly amount for the years after retirement at the post-retirement return.
These figures also set the Retirement goal in the Goal Planner, and Return before retirement is the Goal Planner’s assumed return, so both tabs show the same SIP. Open Goal Planner →
The figures presented are strictly for illustrative purposes, based on user-defined assumptions, and do not constitute a forecast or guarantee of future returns. All projections and calculations are powered by our proprietary, in-house Gammasphere Analytics software. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.
The method
How it works
- 01Today’s monthly expenses are raised by inflation to your retirement age.
- 02The corpus is the amount that can pay that income every month until your life expectancy, while the balance keeps earning the post-retirement return.
- 03Savings you already have grow at the pre-retirement return; the monthly SIP covers the rest.
Questions
Asked often
How big a retirement corpus do I need?
It depends on your expenses, the years until you retire, inflation and how long the money must last. That is why the calculator asks for each, rather than using one multiple of income.
Why are there two returns?
Before retirement the money can usually take more equity risk for growth. After retirement most people move to steadier, lower-risk investments, so the corpus is assumed to earn less.
What life expectancy should I use?
Planning to 85 or 90 is common. Planning for a longer life is safer: running out of money late in life is harder to fix than having some left over.
Want to talk it through?
Book a free 30-minute call and we’ll look at what fits your goals, with no obligation.