Retirement Planning Tool
Retirement Calculator
Estimate retirement corpus growth and future wealth accumulation through long-term investments and compounding.
Retirement Planning
Estimated Retirement Corpus
$28,464,526
Disclaimer: Please note that these calculators are for illustrations only and do not represent actual returns.
Stock Market does not have a fixed rate of return and it is not possible to predict the rate of return.
What Is Retirement Planning?
Retirement planning helps individuals estimate future financial needs and build long-term investment strategies for financial independence after retirement. It involves calculating the required corpus based on current savings, expected returns, and inflation.
How Is Your Retirement Corpus Calculated?
This calculator projects a monthly SIP forward using the future value of a growing annuity:
FV = SIP × [((1 + r)^n − 1) / r] × (1 + r)
Here SIP is your monthly investment, r is the monthly expected return, and n is the total number of months until retirement. A ₹15,000 monthly SIP at 12% annual return over 25 years grows to a corpus well beyond ₹2 crore — most of which comes from compounding on earlier contributions, not the contributions themselves, which is why starting a decade earlier matters more than investing a larger amount later.
Benefits Of Retirement Planning
Financial Independence
Retirement planning helps create sustainable long-term financial security and stability.
Wealth Growth
Long-term compounding can significantly increase retirement savings over time.
Inflation Protection
Planning ensures your retirement corpus accounts for rising cost of living and inflation.
Peace of Mind
A well-structured plan reduces financial stress and provides clarity for the future.
Frequently Asked Questions
When should I start retirement planning?
Starting early allows investments more time to grow through the power of compounding. The earlier you start, the smaller the monthly investments needed.
How much retirement corpus is enough?
Retirement corpus depends on lifestyle goals, inflation, expenses, and expected retirement age. A common rule is to have 20-30 times your annual expenses.
What is the 4% rule in retirement?
The 4% rule suggests withdrawing 4% of your retirement corpus annually to ensure funds last for 30 years.
Does this calculator account for inflation?
No — the projected corpus is in nominal (today's rupee) terms. Use the Inflation Calculator alongside this one to see what that corpus is actually worth in real purchasing power by the time you retire.
Should my SIP amount stay fixed until retirement?
Not necessarily — a step-up SIP that increases with your income each year typically reaches a larger corpus than a flat SIP of the same starting amount, since later increases still get years of compounding before retirement.