Retirement Calculator

Discover your target retirement corpus, the monthly SIP needed to get there, and how long your savings will last — in one comprehensive planning tool.

Plan My Retirement

How much do I need to retire?

Your Profile
Current Age (years)
30
2065
Retirement Age (years)
60
4075
Life Expectancy (years)
85
60100
Monthly Expenses (today ₹)
₹60,000
₹10K₹10L
Return & Inflation Assumptions
Pre-Retirement Return (% p.a.)
12%
6%20%
Post-Retirement Return (% p.a.)
7%
4%14%
Inflation Rate (% p.a.)
6%
3%12%
Existing Savings (₹)
₹0
₹0₹5 Cr
Retirement Corpus Required
₹0
Inflation-adjusted corpus needed at retirement
Years to Retirement
0
Accumulation phase
Retirement Duration
0 yrs
Spending phase
Monthly Expense at Retirement
₹0
Inflation-adjusted
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Monthly SIP Required to Reach Goal
₹0
Assuming 12% p.a. returns | Existing savings accounted for
Start SIP →
Retirement Readiness Score
0%
Existing corpus as % of required corpus (at today's value)
Calculating…
Accumulation Phase
Building Your Corpus
Duration0 years
Monthly SIP₹0
Total Invested₹0
Final Corpus₹0
Retirement Phase
Living Off Your Corpus
Duration0 years
Initial Monthly₹0
Total Withdrawn₹0
Legacy at End₹0
Corpus Journey — Accumulation & Distribution
Accumulation
Retirement Drawdown
Year (Age) Annual Contribution Returns Earned Corpus Value Phase
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⚠️ Calculator Disclaimer

Results are illustrative estimates based on constant assumed returns and inflation. Actual returns vary significantly year to year. This tool does not account for taxes, insurance, or unexpected expenses. Not financial advice. Consult a AMFI-registered advisor.

Why Retirement Planning Starts Today

The single most powerful factor in retirement planning is time. Starting to invest just 10 years earlier can reduce the monthly savings required to build the same corpus by 50–60%. The mathematics of compounding means that early, consistent investing does far more work than aggressive late-stage savings.

India's unique retirement planning environment — no universal pension, rising inflation, increasing healthcare costs, and longer lifespans — makes private retirement planning not just important but essential. Most individuals significantly underestimate the corpus required for a comfortable retirement, often by a factor of 2–3x.

At Peacock Wealth Management, our retirement planning approach is comprehensive — integrating SIP investing, PMS, NPS, insurance, and estate planning into a single cohesive strategy designed to give you genuine financial independence.

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The 25x Rule
You need approximately 25 times your annual retirement expenses as your corpus. At a 4% withdrawal rate, this corpus sustains indefinitely in most historical market scenarios.
📉
The 4% Rule
Withdrawing 4% of your corpus annually (adjusted for inflation) historically provides a very high probability of the corpus lasting 30+ years. India-specific rate may be 3–3.5% given higher inflation.
⏰
Rule of 72
Divide 72 by your expected return rate to find how many years it takes to double your money. At 12% returns, money doubles every 6 years — making early investing exponentially powerful.
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Healthcare Buffer
Medical costs in retirement can consume 15–30% of your corpus. Build a dedicated healthcare fund of 3–5x current annual healthcare expenses as a separate retirement buffer.
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A calculator gives you estimates. Our advisors give you a complete, actionable retirement strategy integrating SIPs, NPS, insurance, and estate planning.

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Legal Disclaimer & Important Information

Illustrative Only: All results are hypothetical estimates based on user-entered assumptions and constant return rates. Actual investment returns vary year to year based on market conditions.

Market Risk: Mutual fund and equity investments are subject to market risks. Returns are not guaranteed. Past performance is not indicative of future results.

Inflation: Actual inflation rates vary. This calculator uses a constant inflation assumption which may not reflect future conditions.

Taxes Not Included: This calculator does not account for LTCG, STCG, dividend taxes, or any other applicable taxes on investment returns or withdrawals.

Not Financial Advice: This tool is for educational purposes only and does not constitute financial, tax, or legal advice. Peacock Wealth Management is a AMFI-registered investment advisor. Please consult a qualified advisor for personalised retirement planning.

Peacock Wealth Management | the regulatory authority Reg. No.: INA000XXXXXX | Kilpauk, Chennai — 600010 | info@peacock.org.in | +91 93639 63411