Retirement Calculator

How much you need to retire — and whether you are on track.

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About this calculator

Answer a few questions about your age, expenses and savings. The calculator works out how much you need at retirement, what you are on track for, and how much more to invest each month if there is a gap.

How is this calculated?

Today’s monthly expenses are inflated to your retirement age. The corpus needed is the present value, at retirement, of those expenses paid every month until your planning age, rising with inflation, while the remaining money earns the post-retirement return. Your projected corpus is your current savings plus your monthly investments (with yearly increases) grown at the pre-retirement return. Any gap is converted into an extra monthly investment.

Questions people ask

How much do I need to retire in India?

It depends mostly on your expenses, inflation and how long retirement lasts. As a rough check, many people need 25–35 times their first-year retirement expenses. This calculator works it out from your own numbers.

What inflation should I assume?

India’s consumer inflation has averaged around 5–6% over long periods; healthcare costs tend to rise faster. Using 6% is a reasonable base, and trying 7% shows the effect of higher inflation.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.