Retirement Planner

Find your target retirement nest egg. Estimate required monthly savings, inflation-adjusted post-retirement expenses, and annuity lifespan.

Parameters
₹ Yrs
Yrs
Yrs
₹ Mo
%
%
Calculated Results
Required Corpus at Retirement -
Required Monthly SIP Today -
Monthly Expense at Retirement -
Compounding
Inflation
%
Visual Projection
Invested
Corpus
Real Value
Yearly Breakdowns
YearAgeAnnual ExpenseNest Egg NeededBeginning BalanceSavings/SIPInterest EarnedWithdrawalsEnding Balance
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Retirement Nest Egg Strategy

Inflation is the biggest threat to retirement. A monthly expense of ₹50,000 today will expand dramatically over 20-30 years. This planner calculates your target corpus and required monthly savings.

Formula & Mathematical Approach

Estimates the retirement corpus required to sustain lifestyle expenses and the SIP needed to reach that goal.

Inflated Monthly Expense=Current Expense×(1+Inflation100)Years to Retire\text{Inflated Monthly Expense} = \text{Current Expense} \times \left(1 + \frac{\text{Inflation}}{100}\right)^{\text{Years to Retire}}
Retirement Corpus Required=Inflated Annual Expense×[1−(1+r)−nr]×(1+r)\text{Retirement Corpus Required} = \text{Inflated Annual Expense} \times \left[ \frac{1 - (1 + r)^{-n}}{r} \right] \times (1 + r)
where r=1+Post-Retirement Return/1001+Inflation/100−1and n=Years of Retirement\text{where } r = \frac{1 + \text{Post-Retirement Return}/100}{1 + \text{Inflation}/100} - 1 \quad \text{and } n = \text{Years of Retirement}
Show Plain Text / Excel Formula 
Inflated Monthly Expense = Current Expense * (1 + Inflation / 100) ^ Years to Retire
Retirement Corpus Required = Inflated Annual Expense * ((1 - (1 + r)^-n) / r) * (1 + r)
(where r is the post-retirement real rate of return)

Key Assumptions

  • Post-retirement expenses increase annually with inflation.
  • Annual returns before and after retirement are constant.
  • Life expectancy is accurate, and the retirement corpus is fully depleted at that age.