+91-22-48913909Retirement Calculator: Evaluate and Invest
retirement calculator is a tool for those who are eager to know about the corpus required post retirement to maintain a certain standard of living. Retirement calculator is considered as an essential element when Planning for retirement. It helps you to identify the estimated amount that you need to save for your retirement based on your current financial situations. Therefore, we take you through a very simple retirement calculator that will help you to evaluate the corpus needed when you retire.
Understanding Retirement Calculator
While using a retirement calculator, you would need to enter certain variables, such as-
- Your current age
- Your current monthly expenses
- Expected inflation rate (annual) for the years to come
- Long-term growth rate on investments
All these variables when fed into the calculator would end up giving the amount that you need to invest monthly for your retirement to maintain the standard of living. (i.e. your current monthly living expenses adjusted for inflation).
Retirement Calculator: Evaluation Process
1. Calculating your Current Monthly Expenses
The first thing that you need to do here is, calculate your monthly expenses like household expenses, utility expenses, transportation cost, and other lifestyle expenses. Other than this, you should have a rough idea about the minimum amount that you require monthly for miscellaneous expenses. The basic assumption here is that these expenses adjusted for inflation should suffice in the future to lead a comfortable post retired life.
*To illustrate- *
- Household expenses – INR 10,000
- Transportation expenses- INR 2,000
- Utility expenses-** INR 3,000**
- Other lifestyle expenses (movies, dining, etc.) - INR 3,000
- Miscellaneous expense- INR 2000
Total Monthly Expenses- INR 20,000
Know Your Monthly SIP Amount
2. Understand Inflation Rate for Coming Years
This is the average annual inflation rate that you expect in coming years till you retire. According to various market sources, the average inflation can be taken to be around 4-5% p.a. in the coming years. However, one can enter their own assumption also.
3. Long Term Growth Rate of Investments
This is long-term growth rate that you expect on your investments. Though the long-term return from the equity market has been 8-15% historically, according to market sources, going forward one can expect around 8-15% p.a. in the long run. If you have sound knowledge about the markets, you can enter your own assumptions on the growth rate.
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4. Investment Evaluation
Now comes the interesting part where you get the desired amount that you need to invest monthly. Taking the above variables into consideration, you will get the desired corpus that you need to save monthly till you get retired. Here the estimated age for retirement is considered as 60 years (refer to the image below).
5. Total Corpus
By this, we mean how much corpus will be accumulated when you invest for 36 years, meaning if you start Investing at the age of 24 till 60 years of age. To reach the desired corpus, you need to make a monthly investment. According to the aforementioned figures, the total investment required every month is INR 10,143 for 36 years. As indicated, the estimated total corpus will depend on your current age, current monthly expenses, inflation and the growth rate on investment expected over the years.
Conclusion- People who are planning for their retirement can use this calculator, through which you can easily estimate your retirement corpus. It will help you calculate approximately the amount needed for retirement and hence, you can plan your investment accordingly!
Fund Selection Methodology used to find 2 funds
Top Funds for 2026
*Best funds based on 5 year performance.
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold Fund Returns up to 1 year are on To generate capital appreciation, from a portfolio that is substantially constituted of equity securities and equity related securities of corporates, which could benefit from structural changes brought about by continuing liberalization in economic policies by the government and/or continuing investments in infrastructure, both by the public and private sector. Research Highlights for DSP India T.I.G.E.R Fund Below is the key information for DSP India T.I.G.E.R Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (06 May 26) ₹60.2568 ↑ 3.33 (5.85 %) Net Assets (Cr) ₹1,769 on 31 Mar 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 2.16 Information Ratio -0.83 Alpha Ratio 1.04 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹9,761 30 Apr 23 ₹9,973 30 Apr 24 ₹10,050 30 Apr 25 ₹15,157 30 Apr 26 ₹31,297 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 May 26 Duration Returns 1 Month 1.1% 3 Month 2.5% 6 Month 41.5% 1 Year 110.4% 3 Year 46% 5 Year 25.5% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 13.09 Yr. Data below for DSP World Gold Fund as on 31 Mar 26
Equity Sector Allocation
Sector Value Basic Materials 94.27% Asset Allocation
Asset Class Value Cash 3.92% Equity 94.27% Debt 0.01% Other 1.8% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -70% ₹1,531 Cr 1,103,589
↓ -74,069 VanEck Gold Miners ETF
- | GDX28% ₹604 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -4% ₹90 Cr Net Receivables/Payables
Net Current Assets | -2% -₹35 Cr 2. DSP India T.I.G.E.R Fund
DSP India T.I.G.E.R Fund
Growth Launch Date 11 Jun 04 NAV (07 May 26) ₹353.225 ↑ 4.01 (1.15 %) Net Assets (Cr) ₹4,979 on 31 Mar 26 Category Equity - Sectoral AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆ Risk High Expense Ratio 1.89 Sharpe Ratio -0.01 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹13,155 30 Apr 23 ₹15,074 30 Apr 24 ₹26,536 30 Apr 25 ₹25,993 30 Apr 26 ₹31,048 Returns for DSP India T.I.G.E.R Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 May 26 Duration Returns 1 Month 13.9% 3 Month 10.5% 6 Month 10.5% 1 Year 22% 3 Year 27.2% 5 Year 25.5% 10 Year 15 Year Since launch 17.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 -2.5% 2023 32.4% 2022 49% 2021 13.9% 2020 51.6% 2019 2.7% 2018 6.7% 2017 -17.2% 2016 47% 2015 4.1% Fund Manager information for DSP India T.I.G.E.R Fund
Name Since Tenure Rohit Singhania 21 Jun 10 15.79 Yr. Data below for DSP India T.I.G.E.R Fund as on 31 Mar 26
Equity Sector Allocation
Sector Value Industrials 27.68% Basic Materials 13.33% Financial Services 13% Utility 11.64% Consumer Cyclical 8.63% Energy 7.37% Health Care 6.56% Communication Services 3.04% Real Estate 1.51% Technology 1.43% Consumer Defensive 0.96% Asset Allocation
Asset Class Value Cash 4.85% Equity 95.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity NTPC Ltd (Utilities)
Equity, Since 30 Nov 17 | 5325555% ₹262 Cr 7,063,207 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Dec 24 | APOLLOHOSP4% ₹224 Cr 301,630 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 04 | LT4% ₹206 Cr 588,665
↓ -89,980 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 May 25 | MCX3% ₹163 Cr 680,825 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 18 | BHARTIARTL3% ₹151 Cr 849,969
↑ 37,224 Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical)
Equity, Since 31 Dec 24 | AMBER3% ₹144 Cr 219,234 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jan 25 | 5328983% ₹139 Cr 4,694,365
↓ -873,209 Coal India Ltd (Energy)
Equity, Since 31 Dec 23 | COALINDIA2% ₹122 Cr 2,705,180 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Mar 24 | 5003122% ₹119 Cr 4,196,344 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 31 Mar 23 | KIRLOSENG2% ₹111 Cr 834,973
↓ -195,952
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Research Highlights for DSP World Gold Fund