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Retirement Calculators

Estimate what you may need at retirement, how much you could set aside each month, and how long a corpus could support withdrawals.

Start with an editable example. These tools run in your browser without a login or phone number.

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01 / Plan your lifestyle

Retirement Lifestyle Planner

Start with today’s monthly expenses. The planner estimates your first retirement-year expense, the corpus needed to fund withdrawals, and a starting SIP to close the gap.

Monthly expenses projected to the retirement years
Retirement and expenses
Savings and returns
Optional lifestyle increase

This is in addition to inflation and stops at retirement. Set it to 0% to turn it off.

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02 / Build your savings

Retirement Corpus Builder

Use this if you already have a retirement target in mind. Compare the starting SIP needed under three return assumptions, taking into account existing investments and any new lump sum.

Current savings and new contributions building toward a savings target
Target and new contributions

Enter the target in retirement-year rupees. Exclude your emergency reserve from investable savings.

Net annual returns on new contributions (%)
Existing investments by asset

Add only assets earmarked for retirement. Keep the new lump sum separate. The return assumptions are editable for each asset.

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03 / Plan your withdrawals

Retirement SWP Simulator

See how an existing retirement corpus could support monthly withdrawals. The simulator compares three return assumptions, shows the required starting corpus and identifies when a planned withdrawal would first fall short.

A retirement corpus funding a series of monthly withdrawals
Corpus and withdrawals
Gross annual return scenarios (%)

The assumed drag is subtracted from each gross return. This is an assumption rather than a tax calculation.

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