Retirement Calculator
Estimate how much your retirement savings will grow based on your current savings, monthly contributions, expected rate of return, and years until retirement.
How to use the Retirement Calculator
- Enter your current age and planned retirement age.
- Enter current retirement savings.
- Enter the amount you invest every month.
- Enter the expected annual return and click Calculate.
Formula used
Worked example
Age 30 to 60, ₹5 lakh saved, ₹10,000 a month, 12% return
Existing savings grow to ≈ ₹1.80 crore
Monthly investments grow to ≈ ₹3.53 crore
Total corpus ≈ ₹5.33 crore from contributions of ₹41 lakh
How much do you need?
A common rule is a corpus of 25–30 times your yearly expenses at retirement. Inflation matters: ₹50,000 of monthly expenses today becomes about ₹2.87 lakh in 30 years at 6% inflation. Indian options include EPF, PPF, NPS and equity mutual funds; equity suits long horizons, while debt and annuities provide stability nearer retirement. Starting 5 years earlier can make a bigger difference than investing much more later.
Tips for accurate results
- Use a conservative return such as 10–12% for equity-heavy plans.
- Increase your monthly investment every year with your salary.
- Plan separately for health insurance after retirement.
Frequently Asked Questions
Aim for 25–30 times your annual expenses at retirement.
No; the corpus is in future rupees, so compare it with inflated expenses.
A mix of EPF/PPF, NPS and equity funds suits most people.
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Content reviewed by Vinod, Easy Smart Calculator · Last updated October 2026
Frequently Asked Questions
How much should I save for retirement?
A common rule of thumb is to save 15-20% of your income, aiming for a corpus of 25x your annual expenses by retirement, though your target depends on your lifestyle goals.
What rate of return should I use?
Historically, diversified equity investments return 10-12% annually over the long term, while safer instruments like PPF return 7-8%. Use a conservative estimate for realistic planning.
Does this account for inflation?
This calculator shows nominal (non-inflation-adjusted) future value. For real purchasing power, consider that expenses will also rise with inflation over time.