Calculator
Retirement Calculator
Plan your retirement with confidence. Calculate how much corpus you need and the monthly SIP required to build it.
Corpus Needed at Retirement
₹5.90 Cr
To sustain 30 years post-retirement
Monthly SIP Needed
₹26,589
For 25 years at 12% return
Monthly Expenses at Retirement
₹2.15 L
Today's ₹50,000/mo at 6% inflation
Current Savings Will Grow To
₹85.00 L
₹5,00,000 growing at 12% for 25 years
Why Retire Early?
Retiring at 55 instead of 60 gives you 5 extra years of freedom while you're still energetic. But it requires more disciplined planning. The key is starting early — a 25-year-old needs to invest far less monthly than a 35-year-old for the same retirement corpus, thanks to compounding.
The Inflation Factor
At 6% inflation, your expenses double every 12 years. If you spend ₹50,000/month today, you'll need ₹1.6 lakh/month in 20 years. This is why retirement planning must always account for inflation — it's the silent killer of retirement savings.
Become Debt-Free Before Retirement
Carrying EMIs into retirement is the biggest risk to your financial freedom. EMI Se Azaadi recommends becoming completely debt-free at least 5 years before your target retirement age. No home loans, no car loans, no credit card debt — zero EMIs going into retirement ensures your corpus lasts as planned.