Retirement Calculator · NEW
What will retirement actually cost you?
Inflation-adjusted, lifespan-aware. Tells you the corpus you need at retirement and the SIP that gets you there.
Corpus needed at age 60
That's ₹6.82 Cr — to fund a ₹2,87,175/month lifestyle for 25 years
Monthly SIP needed (today)
Constant amount, no step-up
Total contributed
30 years × ₹19,316/mo
Compounding gives
90% of corpus
Corpus growth — age 30 → 60
You have 30 years to build ₹6.82 Cr. Starting 5 years late roughly doubles the SIP needed.
Your monthly expense in 30 years will be ₹2,87,175 — 5.7× today.
If you can step up your SIP by 10% every year, you only need to start with ≈ ₹10,624/month.
How this page is produced
Every figure above is computed from the inputs you set above — today's expense inflated to your retirement date, the corpus that funds it drawn down at your post-retirement return, and the constant monthly SIP that builds that corpus at your pre-retirement return. The full method is published, including its limitations.
This is a single-track model and it is deliberately conservative in one way and optimistic in others. It assumes no other income — no EPF, NPS, pension, rent, or a spouse's corpus — so the SIP it asks for is the whole bill. It also assumes no tax on withdrawals, no medical shock, a constant instalment for the entire accumulation period, and that you live exactly to the age you entered. Change any one of those and the number moves a long way, so treat it as a starting bracket rather than a target. Withdrawal mechanics after retirement are modelled separately in the SWP calculator.
Written and maintained by Azad Mohammed, who wrote the model behind this tool. Found an error? Tell us — corrections are made and the page rebuilds within the hour.
The numbers on this page are a projection from the assumptions you chose, not a forecast and not a promise — a real fund does not return the same percentage every year, and no calculator can know what yours will do. It is not investment advice and not a recommendation to buy or sell any scheme. Arthkar is not a SEBI-registered investment adviser and does not provide or arrange investment advice. Mutual fund investments are subject to market risk; read all scheme related documents carefully.