Retirement Calculator

Project your retirement corpus by combining the growth of your current savings with your ongoing monthly contributions.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your age, current savings, monthly contribution, and expected return to project your retirement corpus.
years
years
₹
₹
%

Your result

₹4,02,42,655.51

Projected corpus at retirement

From current savings₹1,74,49,402.27
From future contributions₹2,27,93,253.24
Total amount contributed₹46,00,000

AI explanation

Formula

Current savings compound annually; monthly contributions grow via the annuity-due SIP formula

Worked example

Age 30, ₹10L savings, ₹10,000/month, 10% return, retiring at 60

Worked example: Age 30, ₹10L savings, ₹10,000/month, 10% return, retiring at 60
FieldValue
Current age30
Retirement age60
Current retirement savings1000000
Monthly contribution10000
Expected annual return10
Projected corpus at retirement40242655.51
From current savings17449402.27
From future contributions22793253.24
Total amount contributed4600000

Assumptions

  • Assumes a constant expected annual return for the entire period — actual market returns fluctuate.
  • Does not account for inflation reducing the real value of the corpus — plan your target corpus with the Retirement Corpus Calculator for an inflation-adjusted goal.
  • Informational only.

Frequently asked questions

How much should I save for retirement?

It depends on your desired post-retirement lifestyle and expected life expectancy — see the Retirement Corpus Calculator to work backward from a target monthly expense instead of forward from a savings rate.

Why does my current savings grow so much by retirement?

Compounding over a long time horizon has a dramatic effect — money invested decades before retirement has much more time to grow than money contributed closer to retirement.

Should I increase my contribution over time?

Many people do, as income grows — see the SIP Step-Up Calculator for modeling contributions that increase by a fixed percentage each year.

Related calculators

Retirement Corpus CalculatorRetirement SIP Calculator

Related articles

Finance1 min read

How Your Projected Retirement Corpus Is Calculated

A retirement projection combines two separate growth streams — your current savings compounding on their own, and your future monthly contributions growing via the same formula as a SIP — added together into one total corpus.

Read guide
Finance1 min read

Closing the Gap Between Your Projected and Required Retirement Corpus

Comparing what you're on track to save against what you'll actually need reveals a real shortfall — and a goal-based SIP calculation, using that exact gap as its target, shows the additional monthly investment needed to close it.

Read guide

Sources

  • National Pension System — Pension Fund Regulatory and Development Authority (PFRDA). Effective 01-01-2004, reviewed 13-09-2026.

This calculator provides a general estimate only and does not constitute financial or retirement planning advice.

Report a calculation issue