Retirement Calculator: How Much Will You Need—and Are You on Track?
Estimate the life your retirement corpus must support, what your current investments may build, and whether inflation-adjusted withdrawals could last through the retirement horizon you select.
No login required. Your inputs stay in this browser unless you choose to contact FinEdge.
A useful retirement calculator should connect both stages.
- Build the corpus through existing assets, SIPs, step-ups and lump sums.
- Convert the corpus into inflation-adjusted withdrawals after retirement.
- Test lower returns, higher inflation and a longer retirement—not one convenient outcome.
Retirement Calculator
Your inputs
All inputs stay on your device. Nothing is sent, stored or shared.
Step 1
Timeline
A conservative planning horizon protects longevity risk.
Step 2
Lifestyle in today's rupees
What monthly lifestyle would this cost if you retired today?
Step 3
Accumulation
A step-up SIP raises the monthly amount each year.
Gratuity, PF, property sale — anything you expect to receive at retirement.
Step 4
Retirement-stage income and reserves
Pension, annuity, rent — income you can reasonably count on.
Corpus set aside at retirement — not used for lifestyle.
Home purchase, travel, family event.
Optional legacy or safety buffer.
Step 5
Planning assumptions
Illustrative only. Actual mutual fund returns are market-linked and can vary.
Usually more conservative than the accumulation return.
Result
Your retirement picture
Results are estimates. Return, inflation and income assumptions are not guarantees. This tool illustrates a plan; it does not recommend a mutual fund or an investment product.
Your retirement outlook will appear here.
Enter your timeline, retirement lifestyle and current investments to connect the accumulation and withdrawal stages.
Methodology
How the calculation works
Accumulation projection
Your existing investments plus any lump-sum available today form the starting balance. Each month the balance grows at (1 + return)^(1/12) − 1 and your SIP contribution is added at the end of the month. Contributions step up on each 12-month anniversary.
Required corpus
Your desired retirement lifestyle is inflated forward to retirement date, then escalated annually through retirement. Dependable income (pension, annuity, rent) is netted off. A backward monthly recursion computes the corpus needed at retirement to fund those flows and any terminal target.
Gap solver
If the projected corpus is short of the required corpus, we compute the additional starting monthly SIP (with your step-up assumption) that would exactly close the gap by retirement. We also compute the equivalent single lump-sum today.
Scenarios
Four stress scenarios apply small unfavourable changes: lower return (−2% accumulation, −1% withdrawal), higher inflation (+1% pre and post), longer life (+5 years) and all three combined. The base case uses your inputs unchanged.
The engine uses effective compounding for rates ((1 + r)^(1/12) − 1, not r/12), end-of-month SIP contributions and beginning-of-month withdrawals. All computation runs in your browser; no inputs leave this page.
FAQs
Frequently asked questions
Related planning
Continue the retirement conversation
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