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.
Corpus needed at retirement
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Monthly SIP to build it
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Monthly expense then
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Accumulate + draw
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Accumulation · —
Retirement · —
Today · age —
Retire · age —
Plan to · age —
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.
Disclaimer
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.