Kalculate

Retirement Calculator for India

Find out how much you need to retire and how much to invest each month to get there. Inflation-adjusted, transparent, and private — no signup, and nothing you enter leaves your browser.

Your retirement number

About you

₹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.

Your retirement journey — if you invest ₹56,337/mo

Building up — your corpus grows to ₹11.1 Cr by 2051Drawing down — funds retirement to age 90
If you invest the recommended amount, your corpus grows to ₹11.1 Cr by age 55, then funds inflation-rising withdrawals to age 90.

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.

Your data, your file. Continue where you left off.

Nothing you type here is on our servers — no account, no sign-in.
Download a PDF to read, and a plan file to reload later on any device on Kalculate.in

Have a saved plan?

How the retirement calculator works

  1. Tell us the basics — your age, when you want to retire, and what you spend each month today.
  2. We grow your expenses to retirement at inflation (general 6%, medical/education 10%), then size the corpus needed to fund inflation-rising withdrawals to your planned age — never a flat number.
  3. Add what you've saved (optional, one number or split by instrument). We project it forward and show the shortfall.
  4. Get your monthly number — the SIP needed to close the gap, plus the cost of waiting and a full show-the-math breakdown.

Prefer to start from the income you want? Work out the corpus needed. Already retired or close to it? See how long your corpus lasts and how the 3-bucket strategy compares.

Frequently asked questions

How much do I need to retire in India?▾
It depends on your monthly expenses, retirement age, and life expectancy. As a rough guide, at 6% inflation someone spending ₹60,000/month today and retiring at 55 needs roughly ₹10–12 crore by retirement to fund an inflation-protected income to age 90. Kalculate computes your exact number from your inputs, and shows it in both future and today's-money terms.
How much should I invest every month for retirement?▾
Enter your age, target retirement age, expenses and any current savings — the calculator solves for the monthly SIP (stepped up each year) needed to close the gap to your required corpus. Adding current savings lowers the monthly figure.
How should I start saving for my retirement?▾

There's a sensible order — protect first, then invest. Use the corpus this calculator shows for your age as the target, then work through these steps:

  • Clear high-interest debt first — especially credit-card balances, since no investment reliably beats that rate of interest.
  • Build an emergency fund covering at least 3–6 months of expenses, so a crisis never forces you to sell long-term investments.
  • Buy term insurance of about 10–15× your gross annual income, plus 100% of any large outstanding debt like a home loan (credit-card dues don't count). It replaces your income for your family if something happens to you.
  • Buy medical (health) insurance — a base cover of at least 50% of your gross annual income, or a flat ₹1 crore, plus a super top-up plan of ₹50 lakh–₹1 crore. Premiums rise with age, so buy both early — the younger you start, the cheaper they are.
  • Then invest in low-cost direct mutual funds, spread across debt and equity. Use a SEBI-registered fee-only advisor for guidance (they take no commission on what they recommend), or learn the fundamentals and choose sound funds yourself.
  • Just start — don't wait for the “best” fund; it doesn't exist. Grasp a few basics, begin, then review every 6–12 months and keep improving your knowledge and your portfolio.

A strong retirement corpus comes from taking action and staying consistent, not from planning alone.

Does the calculator account for inflation?▾
Yes. General expenses grow at 6% by default and medical/education at 10% — all editable. Retirement withdrawals are modelled as inflation-growing every year, never a flat amount, which is the honest way to size a corpus.
Can I plan for big future expenses like a home or a child's education?▾
Yes. Add goals in today's money and the calculator shows their inflation-adjusted future cost (education and medical at 10%) and factors them into your corpus in the year they occur.
Do I need to sign up or share my phone number?▾
No. There is no login and no account. Everything you type stays in your browser — nothing is sent to or stored on any server. You can download your plan as a PDF or a file to reload later.