Retirement calculator
Enter your monthly expenses, age and retirement age. See the corpus you'll need and the SIP that builds it.
- Inflation through retirement
- Savings you have counted
- Free, no sign-up
Build it tax-efficiently
EPF, PPF and NPS grow your retirement savings while cutting tax. Our experts find the right mix for your regime.
Questions people often ask
Does NPS save tax in the new regime?
Your own contributions don't, but your employer's contribution (80CCD(2)) does, up to 14% of basic.
Is EPF withdrawal at retirement taxed?
No, after 5 years of continuous service. Interest on your own contributions above ₹2.5 lakh a year is taxed each year.
How the corpus is worked out
From today's expenses to a retirement fund.
- Grow your expenses by inflation to retirement.
- Fund every year of retirement, rising with inflation.
- Find the SIP that builds the rest.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- National Pension System Pension Fund Regulatory and Development Authority
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
Common questions
How is the retirement corpus worked out?
Your expenses are grown by inflation to your retirement age. The corpus is what, invested at your post-retirement return, pays those expenses each year, rising with inflation, until the age you plan for.
How much do I need to retire on ₹50,000 a month?
At 30, retiring at 60 and planning to 85, with 6% inflation and a 7% return after retirement, about ₹7.7 crore. A SIP of about ₹21,856 a month at 12% gets you there.
Why is the number so big?
Inflation. ₹50,000 today is about ₹2.9 lakh a month in 30 years at 6%.
What returns should I assume?
Lower after retirement than before, because you'll hold safer investments. Both are your assumptions; try cautious ones.
Does EPF count?
Yes. Add your EPF, PPF and NPS balances to what you've saved.
