Credsir
Retirement Planning

Retirement Planning Calculator

Plan your retirement with confidence. Calculate how much you need to save monthly to build your desired retirement corpus and maintain your lifestyle after retirement.

Calculate Your Retirement Needs
Enter your details to estimate your retirement corpus requirement
Your Retirement Plan
Required Retirement Corpus
₹2.8 Cr
To maintain current lifestyle
Monthly SIP Required
₹35,420
For next 30 years
Years to Retirement30 years
Retirement Duration20 years
Monthly Expenses at Retirement₹2,87,175
Total Investment Needed₹1.27 Cr
Expected Returns₹1.53 Cr
Retirement Goal Status

With your current savings of ₹5 lakhs and monthly SIP of ₹35,420, you're on track to build a corpus of ₹2.8 crores by age 60.

Key Assumptions
  • Inflation rate: 6% per annum
  • Investment return: 12% per annum
  • Post-retirement return: 8% per annum
  • Life expectancy: 80 years
Investment Options
  • • Equity Mutual Funds (SIP)
  • • National Pension System (NPS)
  • • Public Provident Fund (PPF)
  • • Employee Provident Fund (EPF)
  • • Pension Plans
  • • Fixed Deposits
Retirement Tips

• Start saving early to benefit from compounding

• Diversify across asset classes

• Review and rebalance annually

• Consider health insurance

• Plan for inflation

Why Retirement Planning is Important

Retirement planning ensures you maintain your lifestyle after you stop working. With increasing life expectancy and rising healthcare costs, having a substantial retirement corpus is crucial. Starting early gives you the advantage of compounding and reduces the monthly burden of savings.

In November 2025, financial experts recommend building a retirement corpus that's at least 25-30 times your annual expenses. This ensures you can sustain your lifestyle for 20-25 years post-retirement without financial stress.

Retirement Planning Strategies
  • 1
    Start Early
    Begin in your 20s or 30s to maximize compounding
  • 2
    Diversify Investments
    Mix equity, debt, and alternative investments
  • 3
    Increase SIP with Income
    Step up your investments as your salary grows
  • 4
    Review Regularly
    Assess your plan annually and adjust as needed