Retirement Calculator: How Much Will You Need—and Are You on Track?
Retirement is about having the financial freedom to live the life you want, long after your regular income stops.
Your calculations run in your browser. You can explore your retirement numbers without signing in.
But how much money will that life require? How much could your current investments and future contributions build? And how long could your retirement corpus support your expenses?
FinEdge's Retirement Calculator brings these questions together.
Explore the corpus you may need, what you're on course to accumulate, the gap between the two and how different decisions could change your retirement outlook.
A meaningful retirement plan connects the years you spend building your money with the years you'll depend on it.
Calculate your retirement corpus and investment requirement
Start with the retirement you want
Your age today.
The age at which you want to begin your retirement.
The age until which you want your retirement investments to support your lifestyle.
What would the lifestyle you want in retirement cost each month if you were living it today?
Start with these essentials to understand the broad retirement requirement. Add your existing investments, contributions and other financial details to make the calculation more personal.
Build your retirement picture
Your investments and contributionsThe investments you already hold towards retirement. The amount you currently invest towards your retirement goal.
How much you expect to increase those contributions over time.
Additional money available
A lump sum you can invest today and any amount you expect to receive when you retire.
Other income during retirementRegular income such as pensions, annuities or rent that can help meet your future expenses.
Leave blank to start at retirement.
Leave blank to continue to your planning age.
Other retirement requirementsHealthcare and emergency reserves, significant one-time expenses and any corpus you wish to retain at the end of your planning period.
Planning assumptionsExplore inflation before and after retirement and different investment-return assumptions for the accumulation and withdrawal stages.
Your retirement outlook
Enter the four essentials to see the corpus your retirement may require.
Start with your ageHow much money will you need to retire in India?
There is no single retirement corpus that is right for everyone.
₹3 crore, ₹5 crore or ₹10 crore may sound like useful milestones, but the amount required depends on the life you're planning to fund.
Your retirement age, monthly expenses, inflation, existing savings, other sources of income and the number of years your corpus must support you all influence that number.
Your retirement lifestyle comes first
Start by thinking about the lifestyle you want.
Where will you live? What will your regular expenses look like? What activities, travel, family responsibilities or personal interests do you want your retirement years to include?
Once you have a realistic monthly lifestyle requirement in today's money, the calculator can translate that into an estimated future requirement.
Inflation changes what that lifestyle will cost
The same lifestyle could cost substantially more by the time you retire.
For example, a monthly lifestyle costing ₹1 lakh today would cost approximately ₹2.40 lakh after 15 years at an assumed inflation rate of 6% annually.
Inflation continues to matter after retirement too. Your expenses may keep rising even as you begin drawing from your investments.
That's why FinEdge's calculator connects inflation before retirement with the changing expenses you may face during retirement.
Retirement duration matters as much as retirement age
Retiring at 55 rather than 60 changes more than the date you stop working.
You have fewer years to accumulate money and potentially more years during which your investments need to support you.
Similarly, planning for expenses until age 90 instead of 85 changes the corpus required.
The right retirement corpus emerges from your circumstances and the years you want it to support—not from a popular financial milestone.
Explore How Much You Need for Retirement for a deeper understanding of retirement adequacy.
Are your current investments enough for retirement?
Knowing the retirement corpus you require is only half the calculation.
The next question is how much you're on course to accumulate.
FinEdge's calculator brings together your existing investments, current SIP, future contribution increases and other money available for retirement.
It then compares the projected value of those investments with your retirement requirement.
If your projected corpus falls short
A shortfall gives you a starting point for exploring alternatives.
You may be able to increase your monthly investments, step up contributions as your income grows or invest an additional lump sum.
Changing your retirement date or reviewing your planned retirement expenses may provide other ways to improve the picture.
The calculator helps you see how those choices affect the gap.
If your investments appear sufficient
A projected surplus gives you room to examine the resilience of your plan.
You can explore what happens if inflation is higher, investments earn less than assumed or retirement lasts longer.
That gives you a more complete understanding of the financial flexibility your plan may provide.
Retirement adequacy is about the relationship between what you need and what you're likely to have—not simply accumulating the largest possible corpus.
For a closer look at regular investing, explore the SIP Calculator or compare increasing contributions through the Step-Up SIP Calculator.
What happens to your retirement corpus after you stop working?
Building a corpus is one part of retirement planning. Using it to support your life after retirement is equally important.
Once regular contributions stop and withdrawals begin, the relationship between expenses, investment returns and the remaining corpus changes.
FinEdge's Retirement Calculator connects these two stages.
Your future monthly lifestyle
The calculator estimates the cost of your chosen lifestyle at retirement and how those expenses could change with inflation.
Income that supports your expenses
You may have pension income, rental income or other dependable cash flows.
These can reduce the amount you need to withdraw from your investments.
The calculator considers when these income sources begin, how long they continue and how they may increase over time.
Withdrawals from your retirement investments
After accounting for other income, the balance of your monthly lifestyle expenses needs to be supported by your investments.
The calculator projects how those withdrawals and assumed investment growth could affect your remaining corpus over time.
How long your corpus could support you
Your retirement corpus changes as investments grow and withdrawals are made.
Explore the projected balance through the retirement years and see how long it could support your selected lifestyle under different assumptions.
If the projected corpus runs out before the planning horizon, the calculator identifies approximately when that could happen.
Retirement planning becomes much more useful when you understand not only the corpus you need at retirement, but how that corpus may behave during retirement.
For a more focused exploration of monthly withdrawals, use the SWP Calculator.
To understand the mechanics of withdrawals from mutual funds, explore Systematic Withdrawal Plans.
What could change your retirement outlook?
A retirement plan covers many years. It is useful to understand how different circumstances could affect the result.
FinEdge's calculator lets you compare your selected assumptions with alternative scenarios.
Lower investment returns
Explore how a lower accumulation return, withdrawal-stage return or both would change your retirement picture.
Higher inflation
See how rising living costs could increase the corpus required to fund your selected lifestyle.
A longer retirement
Explore what happens when your investments need to support additional years of retirement expenses.
A combination of changes
Examine the effect when less favourable returns, higher inflation and a longer retirement occur together.
Scenario comparison should help you understand which assumptions matter most to your retirement plan and where you may need greater financial flexibility.
Rather than treating one projected corpus as the complete answer, explore how your retirement outlook changes across these possibilities.
How do you improve your retirement plan?
A retirement calculation becomes valuable when it helps you identify meaningful choices.
Increase your retirement contributions
If you have sufficient time before retirement, increasing your SIP or planning future contribution increases could improve your projected corpus.
Explore the Step-Up SIP Calculator to understand how increasing investments may change your long-term accumulation.
Review when you want to retire
An additional year or two of earning and investing may affect both the amount accumulated and the number of years your corpus needs to support you.
Compare different retirement ages to see the relationship.
Revisit your expected retirement lifestyle
Your retirement should support what matters to you.
Understanding the cost of that lifestyle helps distinguish the expenses you want to protect from those you might be comfortable adjusting.
Understand your other retirement income
Pensions, annuities and rental income may support part of your expenses.
Bringing these sources into the calculation can give you a more complete picture of the amount your investments need to provide.
Review your retirement investment strategy
Building a retirement corpus and drawing from it are different investment challenges.
The relevant time horizons, liquidity needs, return expectations and risks can change as you approach and enter retirement.
Explore Retirement Planning to understand how these decisions fit together.
The best retirement plan is one that helps you prepare for the future while giving you the freedom to enjoy life along the way.
How does the Retirement Calculator work?
FinEdge's Retirement Calculator connects your financial situation today with the expenses and investment withdrawals you expect during retirement.
It estimates the retirement corpus you may require by considering your desired lifestyle, inflation, other retirement income, reserves and the period for which you want the corpus to support you.
Separately, it projects what your existing investments and future contributions could accumulate by retirement.
The calculator compares these two amounts to identify a projected funding gap or surplus.
Where there is a shortfall, it estimates the additional monthly contribution or lump sum that could help close the gap using the assumptions you have selected.
It also projects withdrawals and the remaining investment balance during retirement, allowing you to explore changes in expenses, returns and longevity.
For the underlying calculations, pre-retirement SIPs are invested at the end of each month, retirement withdrawals occur at the beginning of the month, and annual return assumptions are converted into effective monthly rates.
Different accumulation-stage and withdrawal-stage return assumptions help reflect the distinct financial roles of these two periods.
Your calculations take place locally in your browser.
Turn your retirement calculation into a plan for financial freedom
Retirement planning is ultimately about the life you want to live.
The ability to spend time with family, pursue interests, travel, explore new possibilities or simply enjoy greater financial freedom depends on decisions made over many years.
A retirement corpus is an important number. But the more valuable achievement is building the financial confidence to make those choices.
At FinEdge, your dedicated Investment Manager helps you connect your retirement goals, existing investments, contribution capacity and changing financial circumstances into a structured investment journey.
Technology and AI support the continuity of information, analysis and review. Your Investment Manager brings the human understanding and judgement required to turn those insights into decisions appropriate for your life.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully. Projections are illustrative, based on your inputs and constant assumed returns and inflation. Actual outcomes will vary.