ARTHUM
// Retirement Calculator

How much do you need to retire?

This factors in inflation to estimate the corpus that will fund your lifestyle through retirement — and the monthly SIP needed to build it before you stop working.

// Retirement plan

Corpus needed at retirement —
Monthly expense at retirement—
Monthly SIP needed now—
You investGrowth

Illustrative only. Assumes constant returns and inflation, expenses growing with inflation, and the corpus drawn down to zero by your life-expectancy age. Not investment advice.

How the retirement calculator works

It runs in three steps:

  1. Future expense. Your current monthly expense is grown by inflation to your retirement age.
  2. Corpus needed. Using an inflation-adjusted (real) post-retirement return, it computes the lump sum that can fund those growing expenses until your life-expectancy age.
  3. Monthly SIP. It then finds the SIP — earning your pre-retirement return — needed to build that corpus by retirement.

Why inflation is the silent killer

At 6% inflation, expenses roughly double every 12 years. A lifestyle that costs ₹50,000 a month today could need over ₹2 lakh a month in 30 years. Planning on today's numbers is the most common retirement mistake.

Levers you control

  • Start early. The SIP needed at 30 is a fraction of what's needed at 40.
  • Step up. Increase contributions with your income — see the step-up SIP calculator.
  • Use the right vehicles. Equity funds for the long pre-retirement runway, plus NPS for tax-efficient retirement savings.

Related calculators

Retire on your terms.

We'll turn this estimate into a funded, reviewed plan.

Book a free callAll calculators