Your future monthly expense
₹3,21,890
Public calculator
Retirement Planning Calculator
Estimate inflation-adjusted monthly expenses, required retirement corpus, and the investment gap needed to bridge your plan.
Educational estimate only. Not personalized financial advice.
Corpus needed
₹9,65,67,091
Gap to close
-₹9,65,67,091
Monthly investment needed
₹72,780
Expense growth
Inflation-adjusted monthly expense from now to retirement
₹3,21,890
Corpus bridge path
Corpus requirement versus the projected bridge
₹9,65,67,091
Year by year
Future monthly expense and corpus required at each year until retirement.
Needs more investment
| Year | Monthly expense | Annual expense | Corpus required |
|---|---|---|---|
| Year 1 | ₹79,500 | ₹9,54,000 | ₹2,38,50,000 |
| Year 2 | ₹84,270 | ₹10,11,240 | ₹2,52,81,000 |
| Year 3 | ₹89,326 | ₹10,71,914 | ₹2,67,97,860 |
| Year 4 | ₹94,686 | ₹11,36,229 | ₹2,84,05,732 |
| Year 5 | ₹1,00,367 | ₹12,04,403 | ₹3,01,10,075 |
| Year 6 | ₹1,06,389 | ₹12,76,667 | ₹3,19,16,680 |
| Year 7 | ₹1,12,772 | ₹13,53,267 | ₹3,38,31,681 |
| Year 8 | ₹1,19,539 | ₹14,34,463 | ₹3,58,61,582 |
| Year 9 | ₹1,26,711 | ₹15,20,531 | ₹3,80,13,277 |
| Year 10 | ₹1,34,314 | ₹16,11,763 | ₹4,02,94,073 |
| Year 11 | ₹1,42,372 | ₹17,08,469 | ₹4,27,11,718 |
| Year 12 | ₹1,50,915 | ₹18,10,977 | ₹4,52,74,421 |
| Year 13 | ₹1,59,970 | ₹19,19,635 | ₹4,79,90,886 |
| Year 14 | ₹1,69,568 | ₹20,34,814 | ₹5,08,70,339 |
| Year 15 | ₹1,79,742 | ₹21,56,902 | ₹5,39,22,559 |
| Year 16 | ₹1,90,526 | ₹22,86,317 | ₹5,71,57,913 |
| Year 17 | ₹2,01,958 | ₹24,23,496 | ₹6,05,87,388 |
| Year 18 | ₹2,14,075 | ₹25,68,905 | ₹6,42,22,631 |
| Year 19 | ₹2,26,920 | ₹27,23,040 | ₹6,80,75,989 |
| Year 20 | ₹2,40,535 | ₹28,86,422 | ₹7,21,60,548 |
| Year 21 | ₹2,54,967 | ₹30,59,607 | ₹7,64,90,181 |
| Year 22 | ₹2,70,265 | ₹32,43,184 | ₹8,10,79,592 |
| Year 23 | ₹2,86,481 | ₹34,37,775 | ₹8,59,44,367 |
| Year 24 | ₹3,03,670 | ₹36,44,041 | ₹9,11,01,029 |
| Year 25 | ₹3,21,890 | ₹38,62,684 | ₹9,65,67,091 |
Internal links
FAQ
How much corpus do I need to retire in India?
Use a safe withdrawal rate on your inflation-adjusted annual expenses to estimate the corpus needed.
How does inflation affect retirement expenses?
Inflation compounds your monthly expenses over time, which is why the future expense can be much higher than today.
What inflation rate should I use?
A 6% assumption is a practical baseline for long-term planning, but you can test 5%, 6%, or 8% scenarios.
How does safe withdrawal rate work?
A safe withdrawal rate is a simple planning assumption that turns yearly spending into an estimated corpus target.
How retirement planning is estimated
Retirement planning starts with current monthly expenses and adjusts them into the future. Inflation-adjusted expenses matter because the same household budget usually costs more by the time retirement arrives. This page uses a default 6% inflation assumption as a practical base case, then compares that future expense with your existing corpus and ongoing investment pace.
Future expenses are inflation-adjusted, not flat.
Required corpus converts spending into an asset target.
Safe withdrawal rate is a planning assumption, not a guarantee.
Monthly investment gap shows the saving pace still needed.
Frequently asked questions
How do inflation-adjusted retirement expenses work?
Current monthly expenses are grown over the years to retirement so the plan reflects future purchasing power rather than today's rupee value.
Why does the calculator use 6% inflation by default?
A 6% baseline is a practical long-range planning assumption for many Indian household scenarios, and it should be stress-tested against lower and higher cases.
What is the required retirement corpus?
The corpus is the estimated pool of assets needed to support future annual expenses after adjusting for inflation, withdrawals, and expected returns.
What is the monthly investment gap?
It is the difference between the portfolio you are projected to build and the portfolio you need, translated into a monthly contribution target.
Related planning paths
Retirement outputs are estimates. Asset returns, inflation, taxes, and healthcare costs should be stress-tested with more than one scenario.