How much do I need to retire, and how much should I invest?
Enter your age, when you want to retire, your monthly expenses today and what you have saved. You will see what those expenses become with inflation, the money you need at retirement to pay them for life, and the monthly investment that builds it.
Money needed at retirement
₹5,83,41,020
Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.
Your monthly expenses grow by inflation every year until you retire. From then on, each month's expense (rising with inflation once a year) is discounted back to the day you retire at the return after retirement ÷ 12; their total is the money you need.
What you have saved grows at the return before retirement. The monthly SIP needed is the gap that remains, at the same return, invested at the start of each month.
If you enter
You get
These are the calculator's starting values. Change them above to see your own.
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Angel One
Enough to pay your expenses, rising with inflation, from the day you stop working until the age you plan for. This calculator works that out month by month, with the money still invested at the return after retirement.
Before retirement most people can take more risk (more equity); after it, money usually moves to safer, lower-return options. A lower return after retirement needs a larger amount.
Only what you enter as saved so far. Add your EPF and PPF balances there; a pension reduces the expenses you need to cover.
Short reads that explain how it works before you decide.
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