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This tool estimates the total corpus you’ll need at retirement, adjusts for inflation, factors in life expectancy and expected investment returns, and shows the monthly or yearly investment required to reach your goal. It’s designed for Indian users and supports common retirement scenarios - steady retirement at 60, early retirement, and pension-style income planning.
The calculator uses a step-by-step approach to estimate your retirement needs.
You enter your current age, desired retirement age, monthly expenses and existing retirement savings.
Your current expenses are adjusted for inflation to estimate how much you may spend every month after retirement.
Life expectancy is considered to calculate how many years your retirement savings must support you.
The calculator estimates the total corpus required to generate income throughout your retirement years.
Based on expected returns, it shows the monthly or yearly investment needed to reach your goal.
This structured approach ensures your retirement plan reflects real-life financial conditions.
Example: Rahul, 32 - a realistic scenario
| Current age | 32 |
| Retirement age | 60 |
| Current monthly expenses | ₹ 40,000 |
| Current retirement savings | ₹ 5,00,000 |
| Life expectancy | 85 |
| Inflation assumption | 6% |
| My Expected rate of return (post-retirement) | 10% |
Result (sample)
| Future monthly expenses at 60 | ₹ 1,40,000 |
| Required corpus at 60 | ₹3.2 Cr |
| Current readiness | 18% |
| Suggested SIP to reach goal | ₹23,500/month |
Note: Values here are illustrative. For your exact numbers, run the calculator.
Inflation reduces purchasing power over time. What costs ₹50,000 today may cost much more after 25–30 years.
At the same time, improved healthcare means many Indians now live well beyond 80 years. This increases the number of years your savings must support you.
Planning with realistic assumptions helps protect your financial independence.
Retirement planning involves multiple goals, not just one calculation. This tool supports different retirement perspectives.
Estimates the total amount you may need at retirement to maintain your lifestyle.
Helps assess how much monthly income your corpus can potentially generate.
Shows how much you may need to invest regularly to build your desired corpus.
Provides an estimate of pension-style income based on accumulated savings.
Helps individuals planning early financial independence calculate higher corpus requirements.
Early retirement, often called FIRE (Financial Independence, Retire Early), is becoming popular among young professionals in India.
Unlike traditional retirement at 60, early retirement may begin at 40 or 45. This means your savings must last for a much longer period.
Planning early retirement requires:
An early retirement calculator helps you understand whether your current savings rate is sufficient or needs adjustment.
Early retirement is achievable - but only with disciplined, long-term planning.
Many people confuse retirement planning with pension planning, but they serve different purposes.
| Retirement Planning | Pension / Annuity |
| Focuses on building savings |
Focuses on generating income |
| Done before retirement | Used after retirement |
| Market-linked growth possible | Usually, stable income |
| Accumulation phase | Income distribution phase |
In simple terms, retirement planning helps you build money, while pension planning helps convert that money into regular income.
There is no universal retirement number. The amount depends on your lifestyle and financial responsibilities.
As a general guideline:
For example, if your annual expense is ₹6 lakh, you may need ₹1.5–2 crore or more, depending on inflation and longevity.
Creating a retirement corpus is only the first step. The next step is generating stable income.
Common retirement income approaches include:
The goal is to ensure regular cash flow while protecting savings from erosion.
Choosing the right income strategy depends on your age, health, risk appetite and family responsibilities.
The PNB MetLife Retirement Calculator is designed specifically for Indian retirement needs.
It helps transform uncertainty into a structured retirement plan.
The best retirement calculator considers inflation, life expectancy, investment returns and lifestyle expenses together to give a realistic estimate.
Your corpus depends on expenses, retirement age and inflation. Many individuals require 20–30 times their annual expenses.
Estimate your expenses, adjust them for inflation until retirement, and calculate the corpus needed to sustain those expenses after retirement.
Yes. It adjusts future expenses using an inflation rate to reflect rising living costs.
Yes. It estimates potential retirement income based on your accumulated corpus and post-retirement return assumptions.
Yes. It is ideal for private-sector employees who do not receive a fixed lifelong pension.
Most people retire between 58–62, but financial readiness is more important than age.
The calculator shows the monthly investment required based on your goal, timeline and expected returns.
Yes. Selecting an earlier retirement age shows the higher corpus and investment needed.
SIP helps accumulate wealth, while pension plans provide regular income after retirement.
It provides indicative estimates based on assumptions and should be used as a planning guide.
Yes. It is designed for long-term goal-based planning.
Higher inflation increases future expenses and requires a larger retirement corpus.
Yes. Starting later requires higher investments, but disciplined planning can still help.
Yes. Self-employed individuals rely entirely on personal savings, making early planning essential.
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