Retirement calculator
Estimates what you’d need saved by the year you stop working, based on what you spend now, and what you’d have to invest each month to get there.
Illustrative only — this is not a projection or a promise of returns. Every figure below is arithmetic applied to the rate of return you typed in. H2 Investment is not suggesting that rate, forecasting it, or promising it. Returns are market-linked, vary from year to year, and can be negative.
What this is, and what it isn’t
This is arithmetic on the numbers you typed. It compounds them at the rate you chose and shows you the result. That is all it does.
It is an illustration, not a projection. It is not a forecast, not a recommendation, and not an offer. Nobody knows what any investment will return, so the rate you enter is an assumption you are making, not a rate anyone is offering you. Real returns arrive unevenly — good years, flat years and falling years, in an order nobody can predict — and that order matters as much as the average.
Use the output the way you’d use a rough estimate on the back of an envelope: to see whether the shape of a plan is roughly right, not to decide what a specific rupee amount will be worth on a specific date.
Treat the corpus figure as an order of magnitude, not a target. Its job is to tell you whether you’re roughly on track or clearly not, and that is a question worth talking through with a person.
What this calculation assumes
This one stacks more assumptions than any other calculator here, so it deserves the most caution:
- Three rates that all hold steady: inflation between now and retirement, the return while you’re building the corpus, and the return afterwards while you’re drawing on it. Move any one of them by a point and the answer changes a great deal.
- Your spending today, inflated. It assumes what you spend now is what you’ll spend then, with prices risen. In practice some costs fall after retirement and others, health particularly, rise faster than general inflation.
- A fixed number of years. You choose a life expectancy. Living longer than the number you typed is a good outcome that this calculation treats as running out of money.
- No other income counted unless you enter it — no pension, no EPF, no rent, no property sale.
- No health shock, nobody else to support, and no tax on withdrawals.
New to the idea behind this? Setting a financial goal walks through it in plain language.
Talk to us
If you’d rather go through your own numbers with a person than a form, that’s what we’re for. You’ll speak to Himani, who runs H2 — the same person every time.
Other calculators
See all calculators. None of these ask for your name, your phone number or your PAN. Nothing you type is stored or sent anywhere. Use them as often as you like without hearing from us.