Annual retirement income calculator
How much income will your retirement savings give you?
Estimate the yearly income your retirement savings could pay you.
yrs
18 yrs70 yrs
yrs
40 yrs75 yrs
yrs
60 yrs100 yrs
₹
₹0₹5 L
₹
₹0₹5 Cr
%
1%20%
%
0%15%
%
0%12%
Annual income from age 60 to 85
₹49,98,967
₹4.17 L a month
Corpus at retirement
₹5,89,40,691
Total invested
₹56,00,000
Yearly income in today's money
₹8,70,371
View year-by-year table
| Year | Amount invested | Retirement corpus |
|---|---|---|
| 1 | ₹3,80,000 | ₹4,16,140 |
| 2 | ₹5,60,000 | ₹6,59,528 |
| 3 | ₹7,40,000 | ₹9,33,600 |
| 4 | ₹9,20,000 | ₹12,42,226 |
| 5 | ₹11,00,000 | ₹15,89,764 |
| 6 | ₹12,80,000 | ₹19,81,120 |
| 7 | ₹14,60,000 | ₹24,21,821 |
| 8 | ₹16,40,000 | ₹29,18,091 |
| 9 | ₹18,20,000 | ₹34,76,938 |
| 10 | ₹20,00,000 | ₹41,06,256 |
| 11 | ₹21,80,000 | ₹48,14,932 |
| 12 | ₹23,60,000 | ₹56,12,978 |
| 13 | ₹25,40,000 | ₹65,11,666 |
| 14 | ₹27,20,000 | ₹75,23,692 |
| 15 | ₹29,00,000 | ₹86,63,353 |
| 16 | ₹30,80,000 | ₹99,46,752 |
| 17 | ₹32,60,000 | ₹1,13,92,021 |
| 18 | ₹34,40,000 | ₹1,30,19,582 |
| 19 | ₹36,20,000 | ₹1,48,52,434 |
| 20 | ₹38,00,000 | ₹1,69,16,477 |
| 21 | ₹39,80,000 | ₹1,92,40,883 |
| 22 | ₹41,60,000 | ₹2,18,58,501 |
| 23 | ₹43,40,000 | ₹2,48,06,329 |
| 24 | ₹45,20,000 | ₹2,81,26,033 |
| 25 | ₹47,00,000 | ₹3,18,64,539 |
| 26 | ₹48,80,000 | ₹3,60,74,695 |
| 27 | ₹50,60,000 | ₹4,08,16,020 |
| 28 | ₹52,40,000 | ₹4,61,55,544 |
| 29 | ₹54,20,000 | ₹5,21,68,760 |
| 30 | ₹56,00,000 | ₹5,89,40,691 |
Illustrative only, based on the rates you enter; returns are not guaranteed. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How to use it
- 1Enter your age, when you plan to retire and your life expectancy.
- 2Add your current savings and what you can invest each month.
- 3Set returns before and after retirement, and read the income in today's money too.
The formula
Corpus = SIP value + savings × (1 + r)ᵗ. Monthly income = Corpus × j / (1 − (1 + j)^−m), where j is the post-retirement monthly rate and m the months in retirement.
Questions
Most retirees move to safer, lower-risk investments to protect their capital, which usually earn less than an equity-heavy portfolio.
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