A retirement calculator estimates how large a corpus you need by the time you retire to fund your expenses through retirement, and the monthly SIP you would need to build it. It accounts for inflation before and during retirement and the returns your money earns.

First your current monthly expense is grown by inflation to your retirement age. Then the calculator works out the lump sum needed at retirement so that, earning a post-retirement return while expenses keep rising with inflation, the corpus lasts through your expected lifespan. Finally it computes the monthly SIP needed to reach that corpus.

There is no single right answer. Indian long-term inflation is often assumed around 6%, pre-retirement equity-oriented returns around 10–12%, and more conservative post-retirement returns around 7–8%. Use ranges and treat the result as a planning guide, not a promise — actual outcomes vary.

Yes. It runs entirely in your browser, needs no sign-up, and is for education only. It is a simplified model and does not account for taxes, lumpsum additions like PF/gratuity, or changing expenses — so treat it as a starting point.