Retirement Planning Calculator - Plan Your Golden Years

About Retirement Planning Calculator

Our Retirement Planning Calculator helps you plan for a financially secure retirement. Calculate the exact corpus you need, monthly SIP required, and get personalized strategies based on your age, expenses, and financial goals.

How to Use This Retirement Calculator

1. Enter your current age and planned retirement age
2. Specify your life expectancy (typically 80-85 years)
3. Input your current monthly expenses
4. Add your current retirement savings/corpus
5. Set expected inflation and return rates
6. View your retirement plan with corpus needed and monthly SIP

Key Features

• Corpus Calculation: Know exactly how much you need for retirement
• SIP Planning: Get monthly investment amount to reach your goal
• Inflation Adjusted: Realistic projections considering inflation
• Gap Analysis: See how much more you need to save
• Scenario Comparison: Compare different retirement ages and expense levels
• Readiness Score: Know if you're on track for retirement

Why Retirement Planning is Important

With increasing life expectancy and rising healthcare costs, proper retirement planning is crucial. Starting early gives you the power of compounding. A 30-year-old investing ₹10,000/month at 12% returns can accumulate over ₹3.5 crores by age 60, while a 40-year-old would need to invest ₹25,000/month to reach the same corpus.

Retirement Planning Tips

• Start as early as possible to benefit from compounding
• Consider inflation - your expenses will grow over time
• Diversify investments between equity and debt
• Account for healthcare costs in retirement
• Review and adjust your plan annually
• Consider both EPF and NPS for tax-efficient retirement savings