How much do you need to invest to retire comfortably?
Personal Details
years
years
years
Expense Planning
₹
% p.a.
% p.a.
Existing Investments
₹
% p.a.
% p.a.
SIP & Tax Settings
% p.a.
%
One-Time Goals
No goals added yet. Add goals like home purchase, travel, children's education, etc.
💰 Investment Required
Step-Up SIP
—
per month to start
Year 5: —
Year 10: —
—
Flat SIP
—
per month, fixed forever
vs step-up yr 1: —
Same amount every month
No step-up required
One-Time Lumpsum
—
invest today, nothing more
Grows at pre-retirement returns
No monthly commitment
—
📊 Key Metrics
Corpus at Retirement
—
Before LTCG tax
LTCG at Retirement
—
—
Corpus Post-Tax
—
Start of retirement
Annual Expense at Retirement
—
—
Retirement Duration
—
—
📅 Year-by-Year Breakdown
Detailed Schedule
SIP and lumpsum are each solved so the corpus reaches exactly ₹0 at life expectancy, accounting for all goals and taxes. LTCG is applied at retirement on the full corpus. Mid accumulation goal withdrawals attract LTCG on the proportional gains portion. If a goal occurs at the retirement age, the associated LTCG is included within the retirement LTCG and is not shown separately under Goal LTCG Tax. Post retirement corpus is tax free since all tax is paid at retirement.
Disclaimer: All figures are estimates based on the assumptions entered. This calculator is for educational and planning purposes only and does not constitute financial advice. Please consult a SEBI-registered financial advisor before making investment decisions.
Frequently Asked Questions
How much money do I need to retire comfortably?+
The amount depends on your expected retirement expenses, inflation, retirement age, life expectancy, and investment returns. This calculator estimates the corpus required based on your inputs.
Why does inflation have such a large impact on retirement planning?+
Inflation reduces purchasing power over time. Even moderate inflation can significantly increase the amount of money needed to maintain the same lifestyle in retirement.
What is the difference between pre-retirement and post-retirement inflation?+
Pre-retirement inflation increases the cost of living until retirement. Post-retirement inflation increases your expenses during retirement and affects how long your corpus can last.
What is the difference between pre-retirement and post-retirement returns?+
Pre-retirement returns are the expected returns while accumulating wealth. Post-retirement returns are the expected returns earned on your remaining retirement corpus.
How does life expectancy affect my retirement corpus?+
A longer life expectancy means your retirement savings must support your expenses for more years, increasing the required corpus.
What is a Step-Up SIP and why is it useful for retirement planning?+
A Step-Up SIP increases your investment amount periodically, helping your retirement savings grow in line with your income.
Should I include my existing investments in retirement planning?+
Yes. Existing investments continue to compound over time and can significantly reduce the additional savings required.
Why does the calculator show LTCG tax?+
The calculator estimates the impact of Long-Term Capital Gains Tax on your retirement corpus to provide a more realistic post-tax projection.
Can I include major future expenses such as a house purchase or children's education?+
Yes. One-time goals can be added separately so they are accounted for in your retirement plan.
What happens if my actual investment returns are lower than expected?+
Lower returns may result in a smaller retirement corpus and could require higher savings, delayed retirement, or reduced retirement spending.
Should I use nominal returns or real returns in the calculator?+
Use nominal returns and inflation assumptions separately. The calculator adjusts for inflation based on the values you provide.
Is this retirement plan guaranteed to work?+
No. The calculator provides estimates based on assumptions. Actual results will depend on future inflation, market returns, taxes, and spending patterns.