About the Retirement Calculator
How much do you need to retire? Enter your current monthly expenses, years to retirement and expected inflation, and this calculator estimates the corpus you’ll need — using the widely-used 4% rule (corpus = 25× your annual expenses at retirement).
How the estimate works
Your current expenses are grown by inflation to a future monthly figure at retirement, annualised, and multiplied by 25 (the 4% rule). It’s a useful starting target — your real need depends on lifestyle, healthcare and how long your retirement lasts.
Reaching the number
Once you know the target, work backwards with the goal SIP calculator to find the monthly investment needed. Starting early and letting compounding work is the biggest advantage.
Retirement Calculator — frequently asked questions
How much corpus do I need to retire?
A common rule of thumb is 25× your expected annual expenses at retirement (the 4% rule). This calculator estimates that from your current expenses, inflation and years to retirement.
What is the 4% rule?
It suggests you can withdraw about 4% of your corpus in the first year of retirement (then adjust for inflation) with a good chance it lasts ~30 years. It’s a guide, not a guarantee.
How do I build this corpus?
Estimate the target, then use the goal SIP calculator to find the monthly SIP needed, and invest consistently across equity and debt based on your horizon.