Age 40
- Phase
- Accumulation
- Opening corpus
- ₹0
- Contribution
- ₹8,28,740
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹8,73,388
All calculators
Plan income across two phases
Retirement Calculator
Estimate the corpus and monthly investment you may need, then follow how it builds before retirement and supports spending afterwards.
Uses Indian household-planning assumptions. Changing currency changes the displayed units, not the underlying jurisdiction.
Build your retirement projection
Adjust any input to update the estimate.
Timeline
Your age today
When you plan to retire
Life expectancy to fund for
Household spending and savings
General household spending, excluding healthcare entered separately below.
Investments earmarked for retirement
Expected fixed monthly income beginning at retirement
Model healthcare separately from general household spending.
Return and inflation assumptions ⌄
Reduces the return assumptions when entered.
How fast your general household costs rise
Expected return while building the corpus
Expected return on the corpus after retirement
Applied only to the healthcare amount entered above
How much you raise your monthly investment each year
Results update when an input changes. Review the key figures, projection and assumptions below.
- Retirement corpus required
- ₹12,74,61,986
- To retire at 60 and plan through age 85
- Starting monthly investment
- ₹69,062
- Increase this by 10% each year.
- Fixed monthly investment alternative
- ₹1,39,882
- The same amount each month without an annual step-up.
- Projected corpus at retirement
- ₹12,74,61,986
- ₹0 from existing savings and ₹12,74,61,986 from planned contributions.
- Monthly household spend at retirement
- ₹5,80,453
- Excludes the separately modelled healthcare amount.
- Monthly healthcare at retirement
- ₹0
- First-year withdrawal rate
- 5.46%
- Projected corpus at plan end
- ₹0
- Any illustrated surplus remains visible.
Accumulation and retirement periods are shown as distinct phases of the same corpus.
- Accumulation corpus
- Retirement corpus
Age 84 · Retirement
- Age
- 84
- Phase
- Retirement
- Opening corpus
- ₹3,53,31,227
- Living spending
- ₹3,53,31,227
- Healthcare spending
- ₹0
- Pension income
- ₹0
- Net retirement spending
- ₹3,53,31,227
- Closing corpus
- ₹0
Select an age to review contributions or retirement spending.
View full projection table| Age | Phase | Opening corpus | Contribution | Living spend | Healthcare spend | Pension income | Net spend | Closing corpus |
|---|---|---|---|---|---|---|---|---|
| 40 | Accumulation | ₹0 | ₹8,28,740 | ₹0 | ₹0 | ₹0 | ₹0 | ₹8,73,388 |
| 41 | Accumulation | ₹8,73,388 | ₹9,11,614 | ₹0 | ₹0 | ₹0 | ₹0 | ₹19,38,922 |
| 42 | Accumulation | ₹19,38,922 | ₹10,02,775 | ₹0 | ₹0 | ₹0 | ₹0 | ₹32,28,392 |
| 43 | Accumulation | ₹32,28,392 | ₹11,03,053 | ₹0 | ₹0 | ₹0 | ₹0 | ₹47,78,279 |
| 44 | Accumulation | ₹47,78,279 | ₹12,13,358 | ₹0 | ₹0 | ₹0 | ₹0 | ₹66,30,401 |
| 45 | Accumulation | ₹66,30,401 | ₹13,34,694 | ₹0 | ₹0 | ₹0 | ₹0 | ₹88,32,649 |
| 46 | Accumulation | ₹88,32,649 | ₹14,68,164 | ₹0 | ₹0 | ₹0 | ₹0 | ₹1,14,39,828 |
| 47 | Accumulation | ₹1,14,39,828 | ₹16,14,980 | ₹0 | ₹0 | ₹0 | ₹0 | ₹1,45,14,594 |
| 48 | Accumulation | ₹1,45,14,594 | ₹17,76,478 | ₹0 | ₹0 | ₹0 | ₹0 | ₹1,81,28,530 |
| 49 | Accumulation | ₹1,81,28,530 | ₹19,54,126 | ₹0 | ₹0 | ₹0 | ₹0 | ₹2,23,63,358 |
| 50 | Accumulation | ₹2,23,63,358 | ₹21,49,538 | ₹0 | ₹0 | ₹0 | ₹0 | ₹2,73,12,305 |
| 51 | Accumulation | ₹2,73,12,305 | ₹23,64,492 | ₹0 | ₹0 | ₹0 | ₹0 | ₹3,30,81,660 |
| 52 | Accumulation | ₹3,30,81,660 | ₹26,00,941 | ₹0 | ₹0 | ₹0 | ₹0 | ₹3,97,92,526 |
| 53 | Accumulation | ₹3,97,92,526 | ₹28,61,035 | ₹0 | ₹0 | ₹0 | ₹0 | ₹4,75,82,803 |
| 54 | Accumulation | ₹4,75,82,803 | ₹31,47,139 | ₹0 | ₹0 | ₹0 | ₹0 | ₹5,66,09,429 |
| 55 | Accumulation | ₹5,66,09,429 | ₹34,61,853 | ₹0 | ₹0 | ₹0 | ₹0 | ₹6,70,50,921 |
| 56 | Accumulation | ₹6,70,50,921 | ₹38,08,038 | ₹0 | ₹0 | ₹0 | ₹0 | ₹7,91,10,227 |
| 57 | Accumulation | ₹7,91,10,227 | ₹41,88,842 | ₹0 | ₹0 | ₹0 | ₹0 | ₹9,30,17,969 |
| 58 | Accumulation | ₹9,30,17,969 | ₹46,07,726 | ₹0 | ₹0 | ₹0 | ₹0 | ₹10,90,36,092 |
| 59 | Accumulation | ₹10,90,36,092 | ₹50,68,499 | ₹0 | ₹0 | ₹0 | ₹0 | ₹12,74,61,986 |
| 60 | Retirement | ₹12,74,61,986 | ₹0 | ₹69,65,432 | ₹0 | ₹0 | ₹69,65,432 | ₹13,25,46,209 |
| 61 | Retirement | ₹13,25,46,209 | ₹0 | ₹74,53,012 | ₹0 | ₹0 | ₹74,53,012 | ₹13,76,02,517 |
| 62 | Retirement | ₹13,76,02,517 | ₹0 | ₹79,74,723 | ₹0 | ₹0 | ₹79,74,723 | ₹14,25,90,573 |
| 63 | Retirement | ₹14,25,90,573 | ₹0 | ₹85,32,954 | ₹0 | ₹0 | ₹85,32,954 | ₹14,74,63,381 |
| 64 | Retirement | ₹14,74,63,381 | ₹0 | ₹91,30,261 | ₹0 | ₹0 | ₹91,30,261 | ₹15,21,66,433 |
| 65 | Retirement | ₹15,21,66,433 | ₹0 | ₹97,69,379 | ₹0 | ₹0 | ₹97,69,379 | ₹15,66,36,760 |
| 66 | Retirement | ₹15,66,36,760 | ₹0 | ₹1,04,53,235 | ₹0 | ₹0 | ₹1,04,53,235 | ₹16,08,01,877 |
| 67 | Retirement | ₹16,08,01,877 | ₹0 | ₹1,11,84,962 | ₹0 | ₹0 | ₹1,11,84,962 | ₹16,45,78,606 |
| 68 | Retirement | ₹16,45,78,606 | ₹0 | ₹1,19,67,909 | ₹0 | ₹0 | ₹1,19,67,909 | ₹16,78,71,767 |
| 69 | Retirement | ₹16,78,71,767 | ₹0 | ₹1,28,05,663 | ₹0 | ₹0 | ₹1,28,05,663 | ₹17,05,72,715 |
| 70 | Retirement | ₹17,05,72,715 | ₹0 | ₹1,37,02,059 | ₹0 | ₹0 | ₹1,37,02,059 | ₹17,25,57,721 |
| 71 | Retirement | ₹17,25,57,721 | ₹0 | ₹1,46,61,203 | ₹0 | ₹0 | ₹1,46,61,203 | ₹17,36,86,170 |
| 72 | Retirement | ₹17,36,86,170 | ₹0 | ₹1,56,87,487 | ₹0 | ₹0 | ₹1,56,87,487 | ₹17,37,98,551 |
| 73 | Retirement | ₹17,37,98,551 | ₹0 | ₹1,67,85,612 | ₹0 | ₹0 | ₹1,67,85,612 | ₹17,27,14,233 |
| 74 | Retirement | ₹17,27,14,233 | ₹0 | ₹1,79,60,604 | ₹0 | ₹0 | ₹1,79,60,604 | ₹17,02,28,992 |
| 75 | Retirement | ₹17,02,28,992 | ₹0 | ₹1,92,17,847 | ₹0 | ₹0 | ₹1,92,17,847 | ₹16,61,12,260 |
| 76 | Retirement | ₹16,61,12,260 | ₹0 | ₹2,05,63,096 | ₹0 | ₹0 | ₹2,05,63,096 | ₹16,01,04,080 |
| 77 | Retirement | ₹16,01,04,080 | ₹0 | ₹2,20,02,513 | ₹0 | ₹0 | ₹2,20,02,513 | ₹15,19,11,724 |
| 78 | Retirement | ₹15,19,11,724 | ₹0 | ₹2,35,42,689 | ₹0 | ₹0 | ₹2,35,42,689 | ₹14,12,05,939 |
| 79 | Retirement | ₹14,12,05,939 | ₹0 | ₹2,51,90,677 | ₹0 | ₹0 | ₹2,51,90,677 | ₹12,76,16,789 |
| 80 | Retirement | ₹12,76,16,789 | ₹0 | ₹2,69,54,024 | ₹0 | ₹0 | ₹2,69,54,024 | ₹11,07,29,041 |
| 81 | Retirement | ₹11,07,29,041 | ₹0 | ₹2,88,40,806 | ₹0 | ₹0 | ₹2,88,40,806 | ₹9,00,77,059 |
| 82 | Retirement | ₹9,00,77,059 | ₹0 | ₹3,08,59,662 | ₹0 | ₹0 | ₹3,08,59,662 | ₹6,51,39,136 |
| 83 | Retirement | ₹6,51,39,136 | ₹0 | ₹3,30,19,839 | ₹0 | ₹0 | ₹3,30,19,839 | ₹3,53,31,227 |
| 84 | Retirement | ₹3,53,31,227 | ₹0 | ₹3,53,31,227 | ₹0 | ₹0 | ₹3,53,31,227 | ₹0 |
Age 41
- Phase
- Accumulation
- Opening corpus
- ₹8,73,388
- Contribution
- ₹9,11,614
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹19,38,922
Age 42
- Phase
- Accumulation
- Opening corpus
- ₹19,38,922
- Contribution
- ₹10,02,775
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹32,28,392
Age 43
- Phase
- Accumulation
- Opening corpus
- ₹32,28,392
- Contribution
- ₹11,03,053
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹47,78,279
Age 44
- Phase
- Accumulation
- Opening corpus
- ₹47,78,279
- Contribution
- ₹12,13,358
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹66,30,401
Age 45
- Phase
- Accumulation
- Opening corpus
- ₹66,30,401
- Contribution
- ₹13,34,694
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹88,32,649
Age 46
- Phase
- Accumulation
- Opening corpus
- ₹88,32,649
- Contribution
- ₹14,68,164
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹1,14,39,828
Age 47
- Phase
- Accumulation
- Opening corpus
- ₹1,14,39,828
- Contribution
- ₹16,14,980
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹1,45,14,594
Age 48
- Phase
- Accumulation
- Opening corpus
- ₹1,45,14,594
- Contribution
- ₹17,76,478
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹1,81,28,530
Age 49
- Phase
- Accumulation
- Opening corpus
- ₹1,81,28,530
- Contribution
- ₹19,54,126
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹2,23,63,358
Age 50
- Phase
- Accumulation
- Opening corpus
- ₹2,23,63,358
- Contribution
- ₹21,49,538
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹2,73,12,305
Age 51
- Phase
- Accumulation
- Opening corpus
- ₹2,73,12,305
- Contribution
- ₹23,64,492
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹3,30,81,660
Age 52
- Phase
- Accumulation
- Opening corpus
- ₹3,30,81,660
- Contribution
- ₹26,00,941
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹3,97,92,526
Age 53
- Phase
- Accumulation
- Opening corpus
- ₹3,97,92,526
- Contribution
- ₹28,61,035
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹4,75,82,803
Age 54
- Phase
- Accumulation
- Opening corpus
- ₹4,75,82,803
- Contribution
- ₹31,47,139
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹5,66,09,429
Age 55
- Phase
- Accumulation
- Opening corpus
- ₹5,66,09,429
- Contribution
- ₹34,61,853
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹6,70,50,921
Age 56
- Phase
- Accumulation
- Opening corpus
- ₹6,70,50,921
- Contribution
- ₹38,08,038
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹7,91,10,227
Age 57
- Phase
- Accumulation
- Opening corpus
- ₹7,91,10,227
- Contribution
- ₹41,88,842
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹9,30,17,969
Age 58
- Phase
- Accumulation
- Opening corpus
- ₹9,30,17,969
- Contribution
- ₹46,07,726
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹10,90,36,092
Age 59
- Phase
- Accumulation
- Opening corpus
- ₹10,90,36,092
- Contribution
- ₹50,68,499
- Living spend
- ₹0
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹0
- Closing corpus
- ₹12,74,61,986
Age 60
- Phase
- Retirement
- Opening corpus
- ₹12,74,61,986
- Contribution
- ₹0
- Living spend
- ₹69,65,432
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹69,65,432
- Closing corpus
- ₹13,25,46,209
Age 61
- Phase
- Retirement
- Opening corpus
- ₹13,25,46,209
- Contribution
- ₹0
- Living spend
- ₹74,53,012
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹74,53,012
- Closing corpus
- ₹13,76,02,517
Age 62
- Phase
- Retirement
- Opening corpus
- ₹13,76,02,517
- Contribution
- ₹0
- Living spend
- ₹79,74,723
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹79,74,723
- Closing corpus
- ₹14,25,90,573
Age 63
- Phase
- Retirement
- Opening corpus
- ₹14,25,90,573
- Contribution
- ₹0
- Living spend
- ₹85,32,954
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹85,32,954
- Closing corpus
- ₹14,74,63,381
Age 64
- Phase
- Retirement
- Opening corpus
- ₹14,74,63,381
- Contribution
- ₹0
- Living spend
- ₹91,30,261
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹91,30,261
- Closing corpus
- ₹15,21,66,433
Age 65
- Phase
- Retirement
- Opening corpus
- ₹15,21,66,433
- Contribution
- ₹0
- Living spend
- ₹97,69,379
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹97,69,379
- Closing corpus
- ₹15,66,36,760
Age 66
- Phase
- Retirement
- Opening corpus
- ₹15,66,36,760
- Contribution
- ₹0
- Living spend
- ₹1,04,53,235
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,04,53,235
- Closing corpus
- ₹16,08,01,877
Age 67
- Phase
- Retirement
- Opening corpus
- ₹16,08,01,877
- Contribution
- ₹0
- Living spend
- ₹1,11,84,962
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,11,84,962
- Closing corpus
- ₹16,45,78,606
Age 68
- Phase
- Retirement
- Opening corpus
- ₹16,45,78,606
- Contribution
- ₹0
- Living spend
- ₹1,19,67,909
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,19,67,909
- Closing corpus
- ₹16,78,71,767
Age 69
- Phase
- Retirement
- Opening corpus
- ₹16,78,71,767
- Contribution
- ₹0
- Living spend
- ₹1,28,05,663
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,28,05,663
- Closing corpus
- ₹17,05,72,715
Age 70
- Phase
- Retirement
- Opening corpus
- ₹17,05,72,715
- Contribution
- ₹0
- Living spend
- ₹1,37,02,059
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,37,02,059
- Closing corpus
- ₹17,25,57,721
Age 71
- Phase
- Retirement
- Opening corpus
- ₹17,25,57,721
- Contribution
- ₹0
- Living spend
- ₹1,46,61,203
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,46,61,203
- Closing corpus
- ₹17,36,86,170
Age 72
- Phase
- Retirement
- Opening corpus
- ₹17,36,86,170
- Contribution
- ₹0
- Living spend
- ₹1,56,87,487
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,56,87,487
- Closing corpus
- ₹17,37,98,551
Age 73
- Phase
- Retirement
- Opening corpus
- ₹17,37,98,551
- Contribution
- ₹0
- Living spend
- ₹1,67,85,612
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,67,85,612
- Closing corpus
- ₹17,27,14,233
Age 74
- Phase
- Retirement
- Opening corpus
- ₹17,27,14,233
- Contribution
- ₹0
- Living spend
- ₹1,79,60,604
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,79,60,604
- Closing corpus
- ₹17,02,28,992
Age 75
- Phase
- Retirement
- Opening corpus
- ₹17,02,28,992
- Contribution
- ₹0
- Living spend
- ₹1,92,17,847
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹1,92,17,847
- Closing corpus
- ₹16,61,12,260
Age 76
- Phase
- Retirement
- Opening corpus
- ₹16,61,12,260
- Contribution
- ₹0
- Living spend
- ₹2,05,63,096
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹2,05,63,096
- Closing corpus
- ₹16,01,04,080
Age 77
- Phase
- Retirement
- Opening corpus
- ₹16,01,04,080
- Contribution
- ₹0
- Living spend
- ₹2,20,02,513
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹2,20,02,513
- Closing corpus
- ₹15,19,11,724
Age 78
- Phase
- Retirement
- Opening corpus
- ₹15,19,11,724
- Contribution
- ₹0
- Living spend
- ₹2,35,42,689
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹2,35,42,689
- Closing corpus
- ₹14,12,05,939
Age 79
- Phase
- Retirement
- Opening corpus
- ₹14,12,05,939
- Contribution
- ₹0
- Living spend
- ₹2,51,90,677
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹2,51,90,677
- Closing corpus
- ₹12,76,16,789
Age 80
- Phase
- Retirement
- Opening corpus
- ₹12,76,16,789
- Contribution
- ₹0
- Living spend
- ₹2,69,54,024
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹2,69,54,024
- Closing corpus
- ₹11,07,29,041
Age 81
- Phase
- Retirement
- Opening corpus
- ₹11,07,29,041
- Contribution
- ₹0
- Living spend
- ₹2,88,40,806
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹2,88,40,806
- Closing corpus
- ₹9,00,77,059
Age 82
- Phase
- Retirement
- Opening corpus
- ₹9,00,77,059
- Contribution
- ₹0
- Living spend
- ₹3,08,59,662
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹3,08,59,662
- Closing corpus
- ₹6,51,39,136
Age 83
- Phase
- Retirement
- Opening corpus
- ₹6,51,39,136
- Contribution
- ₹0
- Living spend
- ₹3,30,19,839
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹3,30,19,839
- Closing corpus
- ₹3,53,31,227
Age 84
- Phase
- Retirement
- Opening corpus
- ₹3,53,31,227
- Contribution
- ₹0
- Living spend
- ₹3,53,31,227
- Healthcare spend
- ₹0
- Pension income
- ₹0
- Net spend
- ₹3,53,31,227
- Closing corpus
- ₹0
Formula and assumptions
Formula: Retirement spending is discounted to the retirement date; existing savings and month-end stepped contributions build the projected corpus before annual retirement drawdown begins.
- The pre-retirement effective annual return is converted to a monthly rate; existing savings grow before each month-end contribution is added.
- General living costs and healthcare costs inflate independently.
- Pension income is subtracted before the non-negative retirement spending need is withdrawn at the beginning of each year.
- Post-retirement return is applied after that year’s withdrawal.
- Entered tax reduces the illustrated annual returns to 12% before retirement and 10% after retirement.
Value basis: nominal unless a result explicitly says “today’s money” or “inflation-adjusted.”
Calculator version retirement-3
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These numbers are illustrative estimates based on your assumptions. Markets, taxes, and inflation vary; review your plan regularly with a qualified professional.