Retirement Calculator in Ahmedabad
Find out how big a nest egg you need and what to invest each month to build it. We inflate your current expenses to retirement, size a corpus that funds them for life, then subtract what your existing savings will grow to — and solve for the monthly SIP that bridges the gap.
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- No sign-up
- Private — on your device
Your partner in prosperity
Start a goal-based SIP plan
Talk to an AMFI-registered Mutual Fund Distributor (ARN-354187) in Ahmedabad. Free, no-obligation guidance tailored to your numbers. We'll bring up your scenario — Corpus needed: ₹7,64,27,465.
How it's calculated
The formula
Corpus needed = annual expense at retirement × present-value annuity factor using a real (inflation-adjusted) post-retirement return. Required SIP = (corpus − future value of current savings) solved through the SIP future-value formula over the years to retirement.
Assumptions
- Life expectancy of 85 for the retirement-funding period.
- Constant inflation and returns across the horizon.
- Existing savings stay invested at the pre-retirement return until retirement.
Sources
Real-world scenarios
See exactly how the numbers play out in the situations people actually face — so there are no surprises before you commit.
Why ₹50,000 a month today is not enough later
A comfortable monthly expense of ₹50,000 today balloons to about ₹2.87 lakh a month by the time a 30-year-old retires at 60, assuming 6% inflation. That is why the retirement corpus you actually need runs into several crore — the calculator inflates your lifestyle first, then sizes the fund to sustain it for decades.
The cost of starting ten years late
Because the corpus compounds, the monthly SIP needed to reach the same retirement fund roughly doubles if you start at 40 instead of 30. Beginning early is far cheaper than catching up later — every year you delay forces a much larger monthly commitment.
Your current savings do heavy lifting
Existing savings keep growing until retirement, so a ₹10 lakh corpus at 30 can become well over ₹3 crore by 60 at a 12% return — shrinking the monthly SIP you still need. Enter your real savings to see how much of the gap is already covered.
Illustrative figures on standard reducing-balance / compounding assumptions — your actual numbers may vary.
Frequently asked questions
The details worth knowing before you rely on these numbers.
How much retirement corpus do I need?
Enough to fund your inflation-adjusted expenses for your whole retirement. This tool grows your current monthly expense to retirement using inflation, then computes the lump sum that, earning a conservative post-retirement return, can pay that income for life.
How is the monthly expense at retirement calculated?
Your current monthly expense is compounded by the inflation rate over the years until you retire. At 6% inflation, expenses roughly double every 12 years, so today's ₹50,000 can become far more by retirement.
What return should I assume after retirement?
A conservative 6–7% is sensible because your portfolio shifts toward safer, income-generating assets in retirement. This calculator uses 7% post-retirement against your chosen pre-retirement return.
What if there is a gap after my current savings?
The tool projects your existing savings forward and computes the additional monthly SIP needed to fill any shortfall. The earlier you start, the smaller that SIP needs to be.
Does this include EPF, NPS or pension?
Enter their current value in "current savings" to fold them in. Regular future contributions to EPF/NPS can be approximated by adding them to your SIP figure.
What is a safe withdrawal rate in retirement?
A common rule of thumb is to withdraw around 4% of your corpus in the first year of retirement and adjust that amount for inflation each year — a pace history suggests a sensibly invested corpus can sustain for decades. It is a guideline, not a guarantee; your safe rate depends on your asset mix, actual returns and how long the money must last.
Why does inflation make retirement planning so important?
Because prices keep rising, the income you need grows every year even after you stop working. At 6% inflation, expenses roughly double every 12 years, so a corpus that looks large today can fall short over a 25–30 year retirement. Planning for the inflation-adjusted figure — as this tool does — is what keeps your lifestyle intact.
Is EPF alone enough for my retirement?
For most people, no. EPF builds a solid, safe base, but its debt-style return often struggles to beat long-run inflation on its own. Supplementing it with equity-oriented investments such as SIPs or the equity portion of NPS gives your corpus more growth potential over a long horizon — balanced to your risk comfort, since market returns are not guaranteed.
Is this calculator free?
Yes — free, no sign-up, and your data stays on your device.
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