Retirement Calculator

Find out how much you need to save for a comfortable retirement

Monthly expenses at retirement: ₹0
Retirement corpus needed: ₹0
Monthly SIP needed: ₹0
Lumpsum needed today: ₹0

How Retirement Planning Works

Retirement planning involves estimating how much money you will need after you stop working, accounting for inflation, and then working backward to determine how much you need to save today.

The 3-Step Process

  1. Calculate future monthly expenses using inflation rate
  2. Estimate the total corpus needed to sustain those expenses for your retirement years
  3. Calculate the monthly SIP or lumpsum needed to build that corpus

Tips for Retirement Planning

Start Early

Starting at 25 vs 35 can mean needing to save 3x less per month thanks to compounding.

Account for Healthcare

Medical costs inflate at 10%–12%. Maintain health insurance and set aside a medical emergency fund.

Diversify Investments

Mix equity, debt, PPF, and NPS for a balanced portfolio that shifts toward safety as you near retirement.

Know the number. Now track the money.

A calculator tells you what something should cost. Daily Expense Tracker shows you where your money actually went — every expense, bill and subscription in one place.

  • ✓ Track expenses in seconds — or by messaging WhatsApp
  • ✓ Ask Dex where your money went, in plain English
  • ✓ Budgets, EMIs, recurring bills and investments
  • ✓ Weekly and monthly reports, automatically
Start tracking free See pricing

Free plan, no card needed. Pro is unlocked free for your first 7 days.