Retirement Calculator
Project your inflation-adjusted monthly expenses at age 60, required retirement nest egg, and monthly SIP needed starting today.
How the Retirement Calculator works
Project your inflation-adjusted monthly expenses at age 60, required retirement nest egg, and monthly SIP needed starting today. Below is the exact mathematical or algorithmic model used by this planning utility, along with its key operating assumptions.
Uses real post-retirement return r_real = ((1 + r_post) ÷ (1 + inflation)) − 1 to size an inflation-indexed retirement annuity.Step-by-step workflow
- Set your starting capital, rate, or tenure in the Retirement Calculator controls (or pick a quick INR benchmark preset).
- The calculation engine applies Uses real post-retirement return r_real = ((1 + r_post) ÷ (1 + inflation)) − 1 to size an inflation-indexed retirement annuity. on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Worked example & key advantages
₹65,000 monthly expenses today grow to ₹3.95 Lakh/month in 31 years at 6% inflation—requiring a disciplined equity + NPS SIP today.
Why use this Retirement tool
- Transparent compounding and amortization math (Retirement) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- Post-retirement withdrawals increase every year at the assumed inflation rate.
Frequently Asked Questions — Retirement
Clear answers to common questions about methodology, edge cases, and privacy.
How much retirement corpus is enough in India?
A common benchmark is 25× to 30× your annual expenses in the first year of retirement, adjusted for 6%–7% annual inflation.
Does the Retirement Calculator send my financial or salary data to a server?
No. All calculations inside the Retirement Calculator run 100% locally in your browser using deterministic TypeScript formulas. Your income, loan, or investment figures are never uploaded, stored, or shared.
How can I share or bookmark a scenario in the Retirement?
Click '☆ Save to Workspace' in the header to pin the Retirement to your local browser dashboard, or copy the page URL to reference this utility anytime.