--- title: Retirement Planning Calculator canonical_url: https://sanchaykaro.com/retirement-planning-calculator/ last_updated: 2026-07-25T12:12:13+00:00 plugin_version: 1.2.2 --- # Retirement Planning Calculator Retirement Planning Calculator | Sanchay Karo - Plan Your Future 🇮🇳 Secure Your Golden Years Retirement Planning Calculator ================================ Calculate exactly how much wealth you need to maintain your lifestyle after retirement, and discover the monthly SIP required to get there. Smart Inflation Adjusted ₹0 Free to Use 100% Actionable Your Timeline --------------- 👤 Current Age 30 Yrs 🏖️ Retire Age 60 Yrs ⏳ Life Expectancy 85 Yrs Age you expect to live until Financial Details ------------------- 💳 Current Monthly Expenses Amount you need per month to live comfortably ₹ 🏦 Existing Retirement Savings EPF, PPF, Mutual Funds allocated for retirement ₹ Assumptions (Rates) --------------------- 📉 Inflation 6% 📈 Pre-Retire Return 12% 🛡️ Post-Retire Return 7% Adjust expected return rates and inflation to see different scenarios. Your Action Plan ------------------ Total Corpus Required ₹0 To sustain ₹0/mo in retirement Required Monthly SIP ₹0 Invest this monthly to bridge the gap FV of Existing Savings ₹0 Corpus Shortfall ₹0 Existing Savings (FV) SIP Invested SIP Returns [ 🚀 Start Retirement SIP Now ](https://sanchaykaro.com/Investor/) ⏱️ ### Cost of Delay Delaying your retirement SIP by just 5 years can double the monthly investment required to reach the same corpus. The best time to start is today. 🔥 ### The Inflation Monster At 6% inflation, a lifestyle that costs ₹50,000 today will cost nearly ₹2.87 Lakhs in 30 years. Your corpus must account for these soaring future costs. 🛡️ ### Safe Withdrawal Post-retirement, your corpus should be moved to safer assets. We calculate the corpus such that your withdrawals plus inflation don't deplete it before your life expectancy. ❓ Top 10 Retirement Planning FAQs ----------------------------------- Everything you need to know to secure your financial future. 1. What is a Retirement Planning Calculator? It is a financial tool that helps you estimate the total amount of money (corpus) you will need to maintain your current lifestyle after you stop working. It considers inflation, expected returns, and your current savings to give you a required monthly investment (SIP) amount. 2. How much of my current income will I need in retirement? A general rule of thumb is the 70-80% rule. You will likely need 70% to 80% of your pre-retirement income to maintain your standard of living. However, in this calculator, we focus on your actual \*current expenses\* rather than income for a more accurate calculation. 3. Why is inflation so important in retirement planning? Inflation slowly reduces the purchasing power of your money. An expense of ₹50,000 today might cost over ₹2.5 Lakhs after 30 years at 6% inflation. If you don't account for inflation, your corpus will run out much faster than anticipated during your retirement years. 4. What is the "Safe Withdrawal Rate"? Globally, the 4% rule is famous—meaning you can withdraw 4% of your corpus in the first year and adjust for inflation thereafter. However, in India, due to higher inflation, a safe withdrawal rate is usually considered to be around 3% to 4%. Our calculator uses precise real-return math rather than a flat rule. 5. Where should I invest my retirement corpus? Asset allocation is key. \*\*Pre-retirement (Accumulation phase):\*\* A heavy tilt towards Equity Mutual Funds (e.g., 12-14% expected return) helps beat inflation. \*\*Post-retirement (Distribution phase):\*\* The corpus should be shifted to safer, fixed-income assets like Debt Funds, SCSS, or FDs (e.g., 6-8% expected return) to preserve capital. 6. Can I rely solely on EPF/PPF for retirement? While EPF and PPF are excellent, safe debt instruments, they rarely beat inflation significantly over the long term. Relying solely on them might result in a corpus shortfall. Supplementing them with Equity Mutual Fund SIPs provides the necessary growth kicker. 7. What happens if I start investing late for retirement? Because you lose the power of compounding, starting late means you have to invest a significantly larger amount every month. For example, a 10-year delay can more than triple the required monthly SIP to reach the same retirement goal. 8. How often should I review my retirement plan? You should review your retirement plan at least once a year. Major life events like marriage, childbirth, significant salary hikes, or buying a house also warrant a reassessment of your retirement goals and current SIP amounts. 9. Does this calculator consider taxes on my returns? No, to keep calculations universally applicable, this calculator assumes pre-tax returns. Actual realized wealth may be slightly lower due to Long Term Capital Gains (LTCG) tax. It is prudent to aim for a slightly higher corpus to act as a tax buffer. 10. How can [Sanchay Karo](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "Sanchay Karo") help me with my retirement? Sanchay Karo helps you invest seamlessly in top-performing mutual funds via SIPs. With a 100% paperless process, you can start building your retirement corpus today. We also offer expert curation of funds based on your timeline and risk appetite.