Retirement Calculator

Retirement Calculator

Estimate your total investment value to plan a comfortable retirement.

current age (years)
retirement age
life expectancy (years)
inflation rate (%)
post-retirement annual rate of return (%)
monthly income at time of retirement (₹)

annual income required immediately after retirement


retirement corpus required to generate ₹91,34,706


monthly SIP required for retirement

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why invest with Stack

Personalized financial planning
Personalized financial planning

Experienced financial advisors will work with you to create a personalized financial roadmap that will help achieve all your financial goals.

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Access a wide range of investment products

We offer a wide range of investment products suitable for long-term wealth creation such as mutual funds, NCDs, bonds, FDs and PMS services.

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Active portfolio management

Our team of financial experts will actively manage your portfolio to ensure that aligns with your investment goals and risk tolerance.

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Transparency and low fees

We give you with regular updates on your portfolio performance and clearly display the fee structure for all our investment offerings.

Understanding Retirement Calculator

What is Retirement Planning?arrowWhat is a Retirement Calculator?arrowHow does a Retirement Calculator work?arrowHow to use Stack Wealth for your retirement planning?arrowAdvantage of the Retirement Calculatorarrow

What is Retirement Planning?

Retirement planning refers to the systematic process of setting aside funds and making financial arrangements during one's working years to secure a stable and comfortable financial future after retirement. It involves estimating the amount of money needed post-retirement, considering living expenses, healthcare costs, and other financial obligations, and creating a strategy to accumulate sufficient funds to sustain one's lifestyle post retirement.

What is a Retirement Calculator?

A retirement calculator is a digital tool designed to assist individuals in estimating the amount of money they need to save or invest regularly to achieve their desired retirement goals. It takes into account various factors such as current age, desired retirement age, expected inflation rates, living expenses, and expected lifespan to calculate the required savings amount.

How does a Retirement Calculator work?

A retirement calculator works by taking inputs from users about their current financial situation, future financial goals, and expected market conditions.

How to use Stack Wealth for your retirement planning?

Imagine planning for a monthly income of Rs 40,000 post-retirement. If you're currently 35 years old and aiming to retire at 60, the question arises: what should be your retirement fund when investing in a bank FD offering an 8% yield? (Considering inflation at 6%)

Using the formula: FV = PV (1+r)^n


  • FV = Future Value
  • PV = Present Value
  • r = expected inflation at 6%
  • n = time to retirement (60 years – 35 years) = 25 years

Calculating, FV = 40,000 (1+0.06)^25 = Rs 1,69,217.14

To get an annual figure, multiply the monthly amount by 12: Rs 1,69,217.14 * 12 = Rs 20,30,605.68.

So, the required annual income immediately after retirement is Rs 20,30,605.68.

Now, let’s find the retirement corpus needed to generate this annual income at the beginning of retirement, considering a retirement period of 20 years (till the age of 80).

Income required in retirement = Rs 20,30,605.68

Retirement Period = 20 years

Rate of return on corpus = 8%

Inflation Rate = 6%

Calculating the Inflation-adjusted rate of return:

Inflation-adjusted rate of return = (1+0.06/1+0.08)−1

= 0.0189 or 1.89% per month

Retirement Period in months = 240 months (20 years * 12).

Monthly income needed = Rs 20,30,605.68 / 12 = Rs 1,69,217.14.

Using an Excel Calculator and the PV function, with Nper = 240 months and Pmt = 169,217, the required corpus to generate the Annual Income of Rs 20,30,605.68 is Rs 3,38,43,426.58.

To accumulate this corpus, calculate the monthly savings with the PMT function in Excel. The result is Rs 35,262, representing the necessary monthly savings to achieve the required retirement corpus.

Advantage of the Retirement Calculator

The advantages of a retirement calculator include:

  • Accurate Projections: Retirement calculators provide accurate estimations based on various parameters, helping individuals set realistic retirement goals.
  • Informed Decision-Making: Users can make informed decisions about their retirement savings by understanding how different variables impact their financial future.
  • Goal Alignment: Retirement calculators help align financial goals with investment strategies, ensuring a cohesive plan to achieve desired retirement outcomes.
  • Scenario Analysis: Users can experiment with different scenarios, such as changing retirement ages or investment amounts, to understand the impact on their retirement funds.
  • Peace of Mind: By knowing that their retirement plans are on track, individuals gain peace of mind, reducing financial stress and uncertainty about the future.

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