Free Tool · No Sign-up Required

How much do you need to retire comfortably?

Most Indians underestimate their retirement corpus by 40–60%. This calculator gives you a precise, inflation-adjusted number — and tells you exactly what to do about it.

Calculate My Number How it works
₹2–5Cr
Typical corpus needed for a middle-class retirement
6%
India's long-run inflation rate — the silent wealth eroder
25+
Years your corpus must last if you retire at 60
Free
No login. No data collected. No sales calls.
What the calculator covers

Built for Indian investors.
Not generic templates.

Most online calculators ignore inflation, rental income, EPF, and longevity risk. This one doesn't.

📐
Inflation-Adjusted Corpus
Your ₹1L/month today will cost ₹3.2L in 20 years at 6% inflation. We account for this precisely using real return calculations.
🪣
Life-Bucket Framework
See which phase you're in — Accumulation, Transition, Distribution, or Legacy — and what that means for your investment strategy.
📈
Visual Corpus Projection
An interactive chart shows your corpus growing through retirement and depleting over time, so you can see if it lasts your lifetime.
🏦
EPF / PPF Integration
Add your existing EPF and PPF balances — often the most overlooked asset in Indian retirement planning — to get an accurate picture.
🏠
Passive Income Offset
Rental income, dividends, or any other recurring income reduces how much corpus you actually need to accumulate. Factor it in.
💡
Actionable Insights
The calculator doesn't just show numbers — it tells you if you're on track, what the gap is, and what levers to pull to fix it.
How it works

Four steps.
Two minutes.

No financial jargon. No complicated forms.

01
Enter your ages
Current age, when you want to retire, and how long you expect to live. Most Indians underestimate longevity — plan for 85+.
02
Add your finances
Monthly expenses, current savings rate, existing corpus, EPF/PPF balance, and any passive income you expect in retirement.
03
Set return assumptions
Adjust pre-retirement returns (equity-heavy), post-retirement returns (balanced), and inflation. Defaults are realistic for India.
04
See your number
Your corpus requirement, funding progress, monthly SIP needed, and specific actions to bridge any gap — all update in real time.
About Ankur Kapur
SEBI Registered Investment Adviser (RIA)
CFA · CFP Credentials
Fee-Only · Zero Commissions · No Conflicts
15+ Years in Indian Financial Markets
"Most investors focus on picking stocks. Very few focus on whether they'll have enough money to never have to work again. That's the real question."

I built this calculator because I was tired of seeing clients in their 50s realise they had under-saved — not because they didn't earn enough, but because they never had a clear number to target. Retirement planning isn't complicated. It just requires honesty about numbers and time.

This tool is free, requires no sign-up, and collects no data. It's educational. For personalised advice based on your actual situation, that's what the RIA practice is for.

Learn more at ankurkapur.in →
Ready?

Find your retirement number today.

Takes two minutes. Works on mobile. No sign-up, no email required. Just your number — and what to do about it.

Open the Calculator
Free · Educational · SEBI compliant disclaimer included