Quikbench
Quikbench
A rough estimate of the retirement corpus you may need, and the monthly SIP that could get you there. Nothing here is sent anywhere; it's plain arithmetic that runs instantly as you type. This is an estimate for planning purposes, not financial advice.
A rough estimate of the retirement corpus you may need, and the monthly SIP that could get you there — based on the assumptions you set below.
Inflates your current monthly expenses forward to your retirement age, estimates how large a corpus would be needed to fund that (now-larger) expense for your expected years in retirement at a post-retirement return rate, then works backward to suggest a monthly SIP that could build that corpus by retirement. Every one of those assumptions (inflation, returns, life expectancy) is a guess about the future — small changes to any of them swing the result a lot, so use it as a rough starting point.
All calculations run entirely in your browser — there's no upload, no account, and no server involved at any point. Results update live as you move the sliders.
Someone aged 30 with ₹5,00,000 already saved, contributing ₹15,000 a month until age 60, assuming a 10% annual return, would reach roughly ₹3.5 crore at retirement — most of that growth coming from compounding in the later years rather than the contributions themselves. Starting the same monthly contribution at age 40 instead of 30 cuts the final corpus by more than half, even though total contributions only drop by a quarter — a reminder that time in the market usually matters more than the contribution amount itself.
Small differences in assumed annual return compound into large differences over 20–30 years. Run the numbers at a conservative rate (7–8%) and an optimistic one (11–12%) side by side rather than relying on a single assumption, since real returns will vary year to year and the gap between conservative and optimistic scenarios widens substantially over a multi-decade horizon.
A common rule of thumb is 20–25 times your expected annual expenses at retirement, adjusted for inflation between now and then. This calculator estimates that corpus based on your current age, retirement age, monthly expenses, and assumed inflation.
Once the target corpus is estimated, the calculator works backward using the SIP future-value formula to show the monthly investment needed, at your expected rate of return, to reach that corpus by your retirement age.
You can run the calculator twice with different return assumptions — a higher rate for an equity-heavy portfolio while younger, and a lower, more conservative rate closer to retirement — to compare scenarios.
It projects nominal (non-inflation-adjusted) future value. To estimate purchasing power in today's terms, use a lower "real" return rate — your assumed return minus expected inflation — rather than the raw nominal rate.
There's no universally correct number; it depends on your asset allocation. Many planners model multiple scenarios (conservative, moderate, optimistic) rather than relying on one fixed assumption.
No — this is a pre-tax growth projection. Actual usable retirement income will depend on the tax treatment of your specific investment vehicles at withdrawal time.
📖 Related guide: How Much Do You Actually Need to Retire?