Retirement Expense Estimator

Estimate your retirement expenses based on your current income and lifestyle.

Choose a method

Your first-year retirement expense

₹0

Zero

Current annual incomeYour gross annual income today; we project it forward with your growth rate to retirement.
Current ageYour age today; together with retirement age it sets the years of income growth.
Retirement ageAge you plan to retire; must be after current age in this model.
Income growth rate (annual)How much your income is expected to grow each year until retirement.
% of pre-retirement income needed in retirementTypical spending in retirement is often modeled between 50%–80% of final pre-retirement income.

Quick mode uses your final pre-retirement income times the replacement percentage. Detailed mode annualizes your basket, then applies one inflation rate to the first retirement year—illustrative only.

Financial Planning Tools

Essential calculators and tools for your wealth management journey

You are here

Retirement Expense Estimator

Model your annual retirement expenses with key assumptions.

Retirement Savings Goal

Estimate the corpus needed to fund retirement expenses.

Monthly Savings Required

Calculate monthly savings needed to reach your target corpus.

The Power of Starting Early

See how starting age changes long-term outcomes.

Project Total Wealth

Project total wealth from current corpus and monthly savings.

SIP Returns Calculator

See how your monthly SIP would have grown on Nifty and other indices.

NPS vs UPS

Compare how long your NPS corpus may last versus UPS payouts.