Kalculate

Your retirement number

About you

₹1 lakh
₹60k

What you've saved so far

Optional. One number across everything — savings, mutual funds, EPF, FDs, gold. Leave it blank if you're starting fresh.

Assume it grows at% / year

Big spends along the way

Enter what it costs today— we'll show what it'll cost then, and subtract it from your corpus in that year.

No big spends added — tap a template above to see inflation's effect on it.

You'll need by 2051
₹11.1 Cr
= ₹2.6 Cr in today's money
Start investing
₹56,337/mo
Stepping up 8%/yr until you retire

Already saved something? Add it on the left — your monthly number drops.

Corpus grows to ₹0 by age 55, then runs out at age 54.

The cost of waiting 5 years

Invest ₹56,337/month starting today and it grows to ₹11.1 Cr by 2051. Start the same SIP in 5 years instead: ₹8.91 Cr. Procrastination fee: ₹2.23 Cr.

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