06 Retirement Calculator
One sun arcs across a working life.
Accumulate while you earn, draw down when you retire. This tool sizes the corpus that carries you through the second half.
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| Age | Projected corpus |
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| — | |
How to read this tool What each input changes
Retirement has two phases: the years you accumulate, and the years you draw down. This tool sizes the corpus that must carry the second phase entirely.
- Current age
- Where you stand today. The gap between now and retirement is your runway to build the corpus.
- Retirement age
- When the income stops and the drawdown begins. Retiring later both shortens the drawdown and lengthens the time you have to save.
- Plan until age
- The age your money must last to. Planning for a longer life means a larger corpus.
- Monthly expense today
- What your lifestyle costs in today's money. The corpus is built to fund this, grown forward for inflation.
- Inflation
- The yearly rate at which costs rise. It quietly inflates the expense you will actually face decades from now.
- Expected annual return
- The yearly growth on your investments, in both phases. Higher returns shrink both the corpus and the SIP needed to build it.
How much retirement corpus do I actually need?
Enough to fund your expected monthly expenses, inflation-adjusted, across your retirement years. The calculator above does this math. The honest answer also depends on whether you'll have a pension, a paid-off home, healthcare cover, and other income streams — factors a TRW partner can layer in.
What inflation rate should I use for India?
6% is a defensible long-horizon assumption — slightly above the RBI's CPI target band of 2–6%. Use 7% if you expect higher healthcare and lifestyle inflation (often realistic for upper-middle-class retirees). Use 5% only if you're confident on long-term disinflation.
Should I include EPF, PPF and NPS in "what you've already saved"?
Yes — anything earmarked for retirement counts. Your EPF and PPF balances are real corpus working for you. Including them gives you the honest "additional monthly SIP needed" figure, not an inflated one.
What does "additional monthly SIP needed" mean?
It's the extra rupees per month, on top of your existing corpus and current SIP, that would close the gap to retirement on the timeline you described. If it shows ₹0, your current pace is enough. If it shows a number, that's the top-up a TRW partner would help you structure into the right fund mix.
For illustrative purposes only. Mutual fund investments are subject to market risks. Past returns do not guarantee future performance. This tool does not constitute investment advice.