Retirement Calculator | Ritesh Sabharwal CFP®

Personal Details

Current Monthly Expenses ₹70,000

₹

Monthly expenses that will continue after retirement

% of expenses in retirement 80%

EMIs, children's expenses etc. won't continue

Current Age

Retire at

Live till

Financial Assumptions

Inflation Rate 6%

Post-retirement corpus return 10%

Current retirement savings ₹3.5L

₹

Other monthly income in retirement ₹0

₹

Pension, rental income, part-time work etc.

Pre-retirement Asset Allocation

80% Equity

Debt 20%

Equity returns 11%

Debt returns 5.5%

Equity % at retirement (override) 30%

Your Retirement Number

₹0

Corpus needed at retirement

—

Yrs to retire

—

Yrs in retirement

—

Blended return

Monthly SIP Now

₹0

Fixed, starting today

Spend at Retirement

₹0

per month

FV of Savings

₹0

At retirement

Corpus Timeline

SIP Needed — Return Sensitivity × Starting Age

What if your returns are higher or lower than expected? Columns = age you start investing · highlighted cell = your current scenario

SIP Needed — Annual Step-up Scenarios × Starting Age

A step-up SIP means you start lower and increase every year — so your starting SIP is less than a fixed SIP · highlighted cell = fixed SIP today

How Long Will Your Corpus Last?

If you accumulate less than the target corpus

Retirement Corpus Tracker

Your annual check-in — compare where you are vs. where you need to be

Saved locally

Disclaimer: This tool is for educational purposes only and does not constitute financial advice. Returns are estimated and not guaranteed. Market conditions, tax implications, and individual circumstances vary. Please consult a SEBI-registered Investment Advisor before making any investment decisions.