Retirement Calculator | Ritesh Sabharwal CFP®

Adjust Your Inputs

Tweak your assumptions below to see how they affect your retirement number

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

₹

Existing monthly investments ₹0

₹

PF, NPS, or any recurring investment you're already making

Return on monthly investments 8%

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%

💰 Retirement Corpus Needed

₹0

Beyond your current savings

—

Yrs to retire

—

Yrs in retirement

—

Blended return

What You Need to Know

Monthly SIP Now

Auto

₹0

Required

Fixed, starting today

Spend at Retirement

₹0

per month

FV of Savings

₹0

At retirement

Deeper Dive

Explore what happens if your returns change, try different SIP strategies, or check how long your corpus will last

Corpus Timeline

Deeper Dive

Explore what happens if your returns change, try different SIP strategies, or check how long your corpus will last

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

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.