Retirement Calculator
Plan both phases of retirement: accumulate your corpus to your retirement age, then draw an inflation-growing income through retirement. See the corpus you need, your projected corpus, your wealth gap, and whether your income is sustainable.
Guide
A retirement calculator helps you answer two linked questions: how large a corpus you need to retire, and how much monthly income that corpus can sustain. Rather than a single number, sound retirement planning spans two stages — the accumulation years while you save and invest, and the withdrawal years when you draw an income.
This studio models both. Contribute a monthly amount with an optional annual step-up during your working life, then switch to a withdrawal phase that pays a monthly income at a more conservative post-retirement return. Enable inflation adjustment to see the result in today’s purchasing power, which is essential for an honest plan.
Why it works
Model the wealth you accumulate while working and the monthly income it can sustain in retirement — both stages in a single projection.
Because compounding rewards time, beginning earlier can sharply reduce the monthly amount needed to reach the same retirement corpus.
See your corpus and income in present-day value so your plan reflects real purchasing power, not just a large nominal headline figure.
Set a growth rate for the accumulation years and a more conservative rate once retired and drawing income.
Raise your contribution each year in line with income so more capital compounds for the remaining horizon.
Check whether a chosen income lasts the full horizon — the studio flags the year the corpus would be exhausted, if any.
Illustration
A ₹30,000 monthly SIP with a 10% annual step-up at an assumed 12% return, retiring after 30 years — the default scenario above. Figures are illustrative, not guaranteed.
| Year | Total Invested | Est. Corpus | Returns |
|---|---|---|---|
| 10 | ₹57,37,473 | ₹98,06,695 | ₹40,69,223 |
| 20 | ₹2,06,19,000 | ₹5,58,94,150 | ₹3,52,75,150 |
| 30 | ₹5,35,07,135 | ₹22,32,81,514 | ₹17,15,74,379 |
| 40 | ₹5,35,07,135 | ₹44,54,29,725 | ₹41,88,71,547 |
The difference
Explore
Jump to any of the ArthVeda wealth calculators — each powered by the same projection engine.
Knowledge
Common questions about retirement corpus, sustainable withdrawals, inflation, and long-term planning.
A retirement calculator estimates how large a corpus you need to retire and how much monthly income that corpus can sustain. This studio models both stages — the accumulation years while you save and the withdrawal years when you draw an income — so you can plan the full journey in one place.
It depends on your desired monthly income, the number of years in retirement, expected returns and inflation. A common starting point is to target a corpus that can fund your annual expenses through a sustainable withdrawal rate; adjust the inputs above to see the corpus and income your own plan produces.
You model an accumulation phase — a monthly SIP with an optional annual step-up that compounds at your assumed return — followed by a withdrawal phase that draws a monthly income at a (typically lower) post-retirement return. The engine projects your corpus and income year by year and flags if the corpus would run out early.
A withdrawal rate is the share of your corpus you draw each year. Many planners discuss rates in the region of 3–4% as a starting reference, but the sustainable figure depends on your returns, inflation and horizon. Use the withdrawal inputs to test different incomes and watch whether the corpus lasts the full horizon.
Inflation steadily erodes purchasing power, so a fixed income buys less each year. When inflation adjustment is enabled, the calculator shows your corpus and income in present-day value, and you can apply an annual step-up to your withdrawals to help your income keep pace with rising costs.
The earlier the better — time is the most powerful variable in compounding. Starting a decade earlier can dramatically reduce the monthly amount required for the same corpus, because each contribution has more years to grow. Try shifting the duration to see the effect for yourself.
During accumulation you contribute regularly and the corpus grows. During withdrawal you stop contributing and draw a monthly income while the remaining balance continues to earn a post-retirement return. This studio lets you set a different return rate for each phase to reflect a more conservative retirement allocation.
Yes. Set a shorter accumulation period and an earlier withdrawal start year to model early retirement, then check whether the resulting corpus sustains your income for the longer retirement that follows. For a dedicated view, see the ArthVeda FIRE calculator.
There is no single correct figure. Investors often assume a higher growth rate during the long accumulation phase and a lower, more conservative rate once retired and drawing income. You can set both rates independently and compare scenarios in real time.
No. The projections are deterministic illustrations based on the constant assumptions you enter and monthly compounding. Real markets and inflation vary year to year, so treat the output as a planning baseline rather than a guarantee, and consult a qualified financial professional for advice.