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Retirement Calculator

Project a retirement corpus from a monthly investment — instantly in your browser. It compounds your contributions at an assumed return until you retire.

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Quick Answer

Enter your current age, retirement age, monthly investment and an expected annual return, and the tool projects the corpus you could build by retirement, along with the total you would invest. It compounds each monthly contribution at the assumed return until you retire. The figure is a gross projection at a constant return — it does not account for inflation, fees or tax. It runs entirely in your browser; nothing is uploaded.

What the Retirement Calculator Does

This tool estimates how large a retirement fund a regular monthly investment could grow into by the time you stop working. It takes your contribution and an expected return, compounds the contributions over the years until retirement, and shows the projected corpus next to the total amount you put in.

It is the quick way to sanity-check a retirement plan — to see whether a monthly amount is on track for the fund you want, and how much of the result is your own contributions versus growth.

How It Works

The tool treats your monthly investment as a series of equal contributions, each compounding at the assumed return from the month it is made until retirement. It adds them all up using the future-value formula for regular savings, assuming each contribution is made at the start of the month.

The number of months is the years to retirement times twelve, and the monthly rate is the annual return divided by twelve. The result is the projected corpus; the total invested is simply your monthly amount times the number of months, so the gap between them is the projected growth.

Methodology

  1. Find the months and rate. Multiply the years to retirement by twelve, and divide the annual return by twelve for the monthly rate.
  2. Compound each contribution. Grow every monthly contribution at the monthly rate until retirement, assuming start-of-month deposits.
  3. Sum to the corpus. Add the grown contributions to get the projected retirement corpus.
  4. Show the total invested. Multiply the monthly amount by the months to show what you put in.

Retirement corpus (future value)

n = years to retirement × 12 i = annual return ÷ 12 (as a decimal) corpus = M × ((1 + i)^n − 1) ÷ i × (1 + i) (M = monthly investment) total invested = M × n
Worked example
age 30 to 60, ₹10,000/month at 10% p.a. → corpus ≈ ₹2.28 crore · invested ₹36 lakh

It compounds at a constant return with start-of-month deposits — the same future-value method as a SIP. The corpus is in future rupees and does not adjust for inflation, fees or tax.

Assumptions

  • The return is constant every year, which real markets are not — actual results vary year to year and the projection is a smooth average, not a guarantee.
  • Contributions are made at the start of each month and compounded monthly until retirement.
  • The figure is gross and in future rupees: it ignores inflation (so it buys less than the same amount today), and excludes fees, fund expenses and taxes.

Standards & references

  • Future value of regular savings — A stream of equal monthly contributions, each compounding until retirement, summed by the standard future-value formula. The start-of-month timing is an annuity-due.
  • Same method as a SIP — This is the same calculation as a systematic investment plan projection — regular contributions compounded at an assumed return — framed around a retirement horizon.
  • Gross, not inflation-adjusted — The corpus is in future money. Inflation erodes its real value, and fees and taxes reduce the actual amount, none of which this projection subtracts.

Accuracy & Limitations

The arithmetic is exact for the inputs: given a constant return, the corpus and the total invested are precise. It is a clear way to see the power of compounding a monthly amount over decades.

The constant-return assumption is the big simplification. Real returns swing from year to year, and the final corpus depends heavily on those swings, so treat the figure as a ballpark, not a promise.

It does not adjust for inflation. A corpus of a couple of crore in thirty years sounds large but will buy much less than today, so consider what it is worth in real terms when judging whether it is enough.

It excludes fees, fund expense ratios and taxes, all of which reduce the real outcome. Build in a margin, and revisit the plan as your contributions, return expectations and goals change.

Real-World Use Cases

Checking a retirement plan

See whether a monthly amount is on track for your target fund.

Setting a contribution

Find the monthly investment needed for a goal corpus.

Seeing compounding

Watch how growth dwarfs contributions over decades.

Comparing start ages

See how starting earlier changes the corpus.

When to use it — and when not to

Good for

  • Projecting a retirement corpus
  • Sanity-checking a monthly contribution
  • Seeing the effect of compounding
  • Comparing start ages or returns

Not the best choice for

  • Inflation-adjusted (real) values
  • Variable or market-realistic returns
  • Fees, expense ratios and taxes
  • A guaranteed retirement outcome

For real (inflation-adjusted) figures, discount the corpus by expected inflation, or use a calculator that does. For market-realistic outcomes, a tool that models variable returns gives a range rather than one number. Treat this as a planning estimate.

Frequently Asked Questions

How does it project the corpus?
It compounds each monthly contribution at the assumed return until retirement and adds them up, using the future-value formula for regular savings with start-of-month deposits. The total invested is your monthly amount times the number of months.
Does it account for inflation?
No. The corpus is in future rupees, which buy less than the same amount today. To judge whether it is enough, consider its real value after inflation, or discount it by an expected inflation rate.
Is the return realistic?
It assumes a single constant return every year, which markets do not deliver. Real returns vary, so the projection is a smooth average. Use a conservative return and treat the result as a ballpark.
Are fees and taxes included?
No. The figure is gross. Fund expense ratios, charges and taxes all reduce the real outcome, so build in a margin and do not take the projected corpus as the net amount you will have.
Is this the same as a SIP calculator?
Yes, the underlying calculation is the same — regular monthly contributions compounded at an assumed return — framed here around your retirement age rather than a fixed number of years.
Why does the corpus dwarf what I invested?
Because of compounding over a long horizon. Early contributions grow for decades, so most of the corpus is growth rather than contributions. That gap is why starting early matters so much.
How much should I invest each month?
Adjust the monthly amount until the projected corpus meets your goal in real terms. Remember the corpus is gross and in future money, so aim higher than a bare target to allow for inflation, fees and tax.
What return should I assume?
A conservative, realistic long-run figure for your investment mix is safer than an optimistic one. Lower assumptions give a more cautious plan; you can compare a few to see the range.
Does starting earlier really make a big difference?
Yes, a large one. A contribution made years earlier compounds for longer, so starting even a few years sooner can change the corpus substantially. Try different start ages to see the effect.
Can I include a lump sum I already have?
This tool projects regular monthly contributions only. To include an existing lump sum, compound it separately at the same return for the same period and add it to the corpus.
Is my data uploaded?
No. The calculation runs entirely in your browser. Nothing is sent to a server, so your figures stay on your device.
What happens after retirement?
This projects the corpus at retirement; it does not model drawing it down. To plan withdrawals, a retirement-income or drawdown calculator estimates how long a corpus lasts at a given spending rate.

References

Compounds monthly contributions at a constant assumed return to a retirement-age corpus (start-of-month deposits); honest that the projection is gross and ignores inflation, fees and tax.

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