We're all set for a new experience. To visit the old Ventura website, click here.
Ventura Wealth Clients Login here

Retirement Calculator

Planning for retirement is one of the most important aspects of long-term financial planning. Our Retirement Calculator is designed to help you estimate the amount you need to accumulate for a stress-free and secure retirement. Whether you're just starting out or nearing retirement, this tool gives you personalized insights into how much to save and invest.

Current Age
Retirement age
Life Expectancy
Expected Inflation for Expenses
Returns: Before attaining Financial Independence
Returns: After attaining Financial Independence
Returns: Existing investments
Current Monthly Expenses

₹10,000₹10,00,000

Current Yearly Expenses
12,00,000
Yearly expenses at the retirement age
1,28,11,898
Corpus required for retirement
44,18,73,342
SIP Amount Required
1,15,424

Start investing now

+91
Enable WhatsApp notifications
+91

Retirement fund utilization schedule

AgeYearly ExpenseInterest EarnedCorpus Remaining
View More ▾

What is a Retirement calculator and why it's essential?

A Retirement Calculator is a digital financial planning tool that helps you determine the corpus you'll need post-retirement to maintain your lifestyle. It takes into account your current age, expected retirement age, monthly expenses, inflation rate, and expected investment returns.

With the help of a retirement planner, you can answer key questions like:

  • How much do I need to retire comfortably?
  • How much should I save every month?
  • Will my current investments be enough?

How the Retirement planning calculator works?

To calculate your retirement needs, simply input the following:

  • Your current age
  • Expected retirement age
  • Monthly expenses
  • Inflation rate
  • Life expectancy
  • Current savings (if any)
  • Expected annual return on investments (pre- and post-retirement)

Based on these inputs, the retirement calculator calculates:

  • The estimated retirement corpus required
  • Monthly investments needed to reach the goal
  • Post-retirement fund utilization and longevity

This tool offers a clear roadmap to plan your finances better and avoid falling short during your retirement years.

Why you should start Retirement planning early?

The earlier you begin, the more time your money has to grow. Starting early offers benefits such as:

  • Power of compounding
  • Lower monthly investment requirements
  • Reduced financial stress in later years
  • Flexibility to adjust for lifestyle upgrades or inflation

Don't wait until it's too late use this retirement calculator today to begin building a strong foundation for your future.

Example – Retirement planning scenario

Let's assume:

  • Current Age: 30 years
  • Retirement Age: 60 years
  • Monthly Expenses Today: ₹40,000
  • Expected Inflation: 6%
  • Life Expectancy: 85 years
  • Investment Return: 10% (pre-retirement), 6% (post-retirement)

In this scenario, you may need a corpus of ₹6.5 to ₹7 crore at retirement. The calculator will suggest the SIP amount needed each month to reach this goal based on your investment timeline

Aligning retirement goals with mutual fund investments

To achieve your retirement goal, disciplined investing is key. One of the best ways to do that is through Mutual Fund SIPs (Systematic Investment Plans). You can pair this tool with our Mutual Funds SIP Calculator to determine how much to invest regularly to meet your retirement corpus target

Additionally, explore top-performing Mutual Fund Schemes tailored to long-term goals and risk appetite. Combining goal-based investing with regular reviews ensures you stay on track.

Check out our full range of Financial Calculators

Benefits of using a Retirement Planning calculator

  • Provides clarity on future financial needs
  • Helps in budgeting and expense control
  • Encourages goal-oriented investing
  • Allows adjustments based on lifestyle choices or inflation
  • Promotes financial independence post-retirement

This tool is ideal for individuals, couples, and even self-employed professionals who want to map out their retirement in a structured, data-driven manner

How to choose an investment plan for retirement

Choosing the right investment strategy is just as important as knowing how much you need to retire. Your ideal retirement investment plan should align with your timeline, goals, and appetite for risk. Here's how to approach it strategically:

  1. Define Your Retirement Corpus
    Start by estimating how much you'll need at retirement to cover lifestyle expenses, healthcare, travel, and inflation. Use our Retirement Calculator to identify a clear goalpost.
  2. Know Your Risk Profile
    Younger individuals may opt for growth-oriented options like equity mutual funds, while those closer to retirement should consider conservative instruments such as debt mutual funds, fixed income plans, or government schemes.
  3. Diversify Smartly
    Build a balanced portfolio that combines equity, debt, and hybrid assets. Include options like the National Pension System (NPS), Public Provident Fund (PPF), and long-term mutual funds to reduce volatility while maximizing returns.
  4. Start SIPs for Consistency
    Systematic Investment Plans (SIPs) are ideal for long-term goals like retirement. They encourage regular investing, take advantage of compounding, and smooth out market volatility. Try our Mutual Funds SIP Calculator to set the right monthly amount for your goal.
  5. Factor in Taxes
    Choose tax-saving investments like ELSS, PPF, or NPS under Section 80C to boost your savings while reducing your tax liability.
  6. Plan for Post-Retirement Income
    Consider income-generating options such as annuities, Senior Citizen Savings Schemes (SCSS), and Monthly Income Plans to ensure financial stability during retirement.
  7. Review and Rebalance Periodically
    Monitor your portfolio at least once a year. Adjust your contributions or asset allocation as your goals, income, or market conditions evolve.

Related Tools:

Start planning your retirement today

A well-structured retirement plan is your key to peace of mind. Use this Retirement Calculator to visualize your future needs, understand your financial gap, and build a solid savings strategy. Whether you're planning 5 or 30 years ahead, now is the best time to begin.

Disclaimer - The Retirement Calculator provides general estimates based on user inputs. It does not constitute investment advice. For exact projections and personalized retirement plans, please consult a financial advisor or your investment provider. Ventura shall not be held liable for any loss or deviation arising from the use of this tool.

Frequently Asked Questions

You can start using a retirement calculator as early as your 20s or 30s. The sooner you plan, the more efficient your wealth accumulation becomes.

Yes, the calculator is flexible and allows you to revise inputs like inflation, expected returns, or monthly expenses to adapt to life changes.

No. Anyone whether salaried, self-employed, or a freelancer can use this tool to forecast and plan their retirement savings effectively.

This is a goal-based projection tool. While it gives you reliable estimates, actual returns may vary. For personalized financial advice, consult a certified advisor.