Retirement Calculator — Are You on Track to Retire Comfortably?
Plan your retirement in under 2 minutes. See your projected corpus, whether it's enough after inflation, and exactly what to change if it isn't — free, no sign-up.
1 · Your timeline
You have 30 years until retirement, and we plan for ~25 years of retirement.
Step up my SIP each year by
4 · Retirement lifestyle
5 · Expected annual return
10%Long-run Indian equity has averaged ~10–12%. We assume 6% inflation and a 7% return during retirement.
Retirement Score
76% Ready
Projected corpus
₹8.71Cr
You'll need
₹11.54Cr
Monthly income
₹3.5L/mo
You may fall short by ₹2.82Cr
Here's how to close the gap — try any one:
Your wealth timeline
Inflation reality check
A meal that costs ₹300 today will cost about ₹1,723 when you retire. That's why your ₹80.0K/month lifestyle needs ₹4.6L/month in future rupees.
Smart insights
You may fall short by ₹2.82Cr. Closing it is very doable — see the options below.
Increasing your SIP by ₹12.5K/month would fully close the gap by age 60.
At your current pace you'd hit the goal at age 64 — delaying retirement by 4 years.
Inflation matters: ₹80.0K/month today is roughly ₹4.6L/month by the time you retire.
Track it automatically
Turn this into a retirement goal you can track.
Create a retirement goal in Nami and every investment you log moves the needle automatically.
A planning aid using assumed, constant returns and 6% inflation. Real markets vary — revisit your plan yearly.
Frequently asked questions
How much money do I need to retire in India?
A common rule of thumb is 25–30× your annual expenses, but the honest answer depends on your retirement age, lifestyle, and inflation. This calculator works it out properly: it inflates your desired monthly spend to its future value, then computes the corpus needed to fund that growing income through your retirement years. For many urban Indians the number lands somewhere between ₹3–8 crore.
How does this retirement calculator work?
You enter your age, retirement age, current savings, monthly investment (with optional annual step-up), desired lifestyle, and expected return. We project your corpus by compounding your investments to retirement, then compare it against the inflation-adjusted corpus you'll actually need. The result is a readiness score, the shortfall or surplus, and one-tap ways to close any gap.
Can I retire at 50 or take early retirement (FIRE)?
Possibly — early retirement means a smaller accumulation window and a longer draw-down, so you need a noticeably larger corpus. Set your retirement age to 50 (or lower) in the calculator and it instantly shows whether your current plan gets there, and how much more you'd need to invest each month to make it work.
Does the calculator account for inflation?
Yes — that's the part most calculators skip. It assumes 6% inflation, so your ₹80,000/month lifestyle today might need ₹2.4 lakh/month in 30 years. Both the required corpus and the 'inflation reality check' are based on future rupees, not today's, so the target is realistic.
What return should I assume for retirement planning?
Long-run diversified Indian equity has historically averaged around 10–12% per year, though returns are market-linked and not guaranteed. Use 8% for a conservative plan, 10% as a balanced base case, and 12% only if you're comfortable with an equity-heavy, long-horizon portfolio. We assume a more conservative 7% return during retirement itself.
How can I fix a retirement shortfall?
Three levers, and the calculator quantifies each: increase your monthly investment, delay retirement by a year or two, or step up your SIP by ~10% every year. Even small, consistent increases compound dramatically over a long horizon — closing a multi-crore gap is often a matter of a few thousand rupees more per month.