How to use the Retirement Calculator
Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.
Formula
Expenses at retirement = today's expenses × (1 + inflation)^years
Corpus = present value of rising withdrawals over retirement
Monthly saving = shortfall ÷ SIP growth factor
Frequently asked questions
What inflation rate should I use?
Use your country's long-run average: roughly 5–6% for India, 2–3% for the US, UK and Europe.
Is the 25× rule enough?
Saving 25 times your yearly expenses (the 4% rule) is a common starting point, but early retirees and those in high-inflation countries may need more.
Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.