How to use the Retirement Calculator in a few steps
The Retirement Calculator is designed so a typical projection takes under a minute. Follow these steps.
Step 1: Enter your age and retirement timeline
Set your current age and the age at which you plan to retire. The difference determines your investment horizon and the number of years inflation will compound.
Step 2: Enter expenses, inflation, and returns
Input your current monthly expenses, expected inflation rate (6-7% is typical for India), and expected investment return (10-12% for equity-heavy, 8-9% for balanced).
Step 3: Add current savings and monthly investment
Enter your total current retirement savings (EPF, PPF, NPS, mutual funds, etc.) and the combined monthly amount you invest across all accounts.
The projection updates live as you change any input, so you can test different retirement ages, expense levels, or savings rates in seconds.
Reading your result
- Required corpus — the inflation-adjusted amount you need at retirement (typically 25-30x annual expenses)
- Projected corpus — what your current savings plus monthly investments will grow to at your assumed return
- Shortfall/surplus — the gap between required and projected corpus
What you need to get started
Only your age, expenses, savings, and investment details. Everything runs in your browser — nothing to install and no account to create.
Verdict
With the Retirement Calculator you can see your inflation-adjusted retirement readiness and identify any savings gap in under a minute — free and private.