Core
Mutual Funds
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Home › Calculators › Retirement Calculator
Retirement is the one goal nobody can borrow for. This calculator takes your monthly expenses today, ages them by inflation to your retirement date, works out the corpus needed to sustain them, and tells you what to invest from now.
Expenses rise with inflation until retirement and continue rising through it. The corpus stays invested during retirement at the post-retirement return, and withdrawals are made monthly. The corpus is drawn down to nil by your final year.
at age 60
Illustration only, based on the assumptions you enter. Not a projection or guarantee of returns. Does not account for taxes, exit loads or expenses.
| Year | Your age | Invested this year | Total invested | Value at year end |
|---|
The figure above is only as good as the assumptions behind it. Send it to us and we will look at your existing EPF, NPS and other savings, and work out what the SIP actually needs to be.
The calculation runs in three stages. First, your current monthly expense is inflated to what the same lifestyle will cost on your retirement date. Second, the corpus needed to fund that expense for the whole of retirement is worked out. Third, the monthly SIP required to build that corpus from today is calculated at your pre-retirement return.
Inflation does not stop when you retire. A corpus that funds your first year of retirement comfortably must also fund your twenty-fifth, by which time costs have risen substantially. This calculator handles that by using the real rate of return — your post-retirement return adjusted for inflation — rather than the nominal rate. That is why the corpus figure is larger than simpler tools produce.
Before retirement you have decades ahead and can generally hold more equity, so the expected return is higher. After retirement the corpus is your income and a deep fall at the wrong moment is difficult to recover from, so the mix usually shifts toward debt and the expected return falls. Setting both to the same number is unrealistic.
Because of the first point, the SIP figure shown is usually higher than what you actually need to invest. Send us the number with details of your existing retirement savings and we can net them off.
Nidhish Investments, founded by Nimesh Vala, is an AMFI-registered Mutual Fund Distributor and an APMI-registered PMS Distributor working with families across Gujarat. We distribute three categories of SEBI-regulated products, and the right one depends on the capital you are working with and the risk you can carry.
Core
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Newer category
A SEBI category positioned between Mutual Funds and PMS. SIF strategies have wider freedom in how they are run, including the use of derivatives, and carry higher risk than conventional Mutual Funds.
Minimum ₹10 lakh
About SIF →Larger portfolios
Securities are held in your own demat account and managed on your behalf by a SEBI-registered portfolio manager, against a defined strategy rather than a pooled scheme.
Minimum ₹50 lakh
About PMS →Two reasons. Inflation compounds for the whole period before retirement, so your expenses at 60 are far higher than today, and it keeps compounding through retirement. A twenty-five year retirement funded against rising costs needs a large multiple of your first year's expense.
The calculator does not, so the SIP it shows is higher than what you need on top of them. EPF, NPS, gratuity and PPF all count toward the same corpus. Send us the figures and we will net them off properly.
6% is a reasonable general assumption for India over long periods. If a large share of your spending is on healthcare or education, consider a higher figure, since both have historically inflated faster than the general index.
It is harder, not impossible. You have fewer years of compounding, so the required monthly amount is larger and the return assumption should be more conservative. Starting at 45 with a serious plan still produces a very different outcome from starting at 55.
Then the corpus runs out, which is exactly why the 'plan until' age should be set generously. Life expectancy is rising and planning to 85 when your family history suggests 90 leaves a gap at the worst possible time. Setting it higher costs you a larger SIP today and removes a real risk later.
Once a year, and after any significant change in income, expenses or family situation. Retirement planning is a long series of small corrections rather than one calculation made in your thirties.
Statutory disclosures and risk disclaimer
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Nidhish Investments is an AMFI-registered Mutual Fund Distributor holding ARN-364347, and an APMI-registered Portfolio Management Services Distributor holding APRN-10163. We act solely as a distributor of investment products. We are not registered with SEBI as an Investment Adviser and do not provide investment advice, financial planning or portfolio management services.
This calculator is provided for illustration only. It uses the assumptions you enter and does not constitute a projection or guarantee of returns. It does not account for taxes, exit loads, expenses or changes in regulation. Past performance of any scheme, strategy or portfolio manager is not indicative of future results, and no returns are assured or guaranteed.
As a distributor, Nidhish Investments receives commission or brokerage from Asset Management Companies and portfolio managers on investments made through us. Details of commission earned on any product will be disclosed to you on request. Investors are advised to consult their own tax and legal professionals before investing. Registration status can be independently verified on the AMFI and APMI websites.