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Retirement Calculator: Evaluate and Invest

Updated on August 27, 2025 , 4817 views

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

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹6,659/month for 20 Years
to achieve ₹10,000,000
Invest Now

Retirement-calculator

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.

Retirement-planning-inflation-rate

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).

Investment-evaluation-based-on-all-the-variables-entered

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.

Total-corpus-till-60-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!

Top Funds for 2025

*Best funds based on 5 year performance.

1. Bandhan Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

Research Highlights for Bandhan Infrastructure Fund

  • Bottom quartile AUM (₹1,676 Cr).
  • Established history (14+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 30.90% (upper mid).
  • 3Y return: 25.93% (bottom quartile).
  • 1Y return: -12.67% (bottom quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.69 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Higher exposure to Industrials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~92%).
  • Largest holding Kirloskar Brothers Ltd (~6.0%).

Below is the key information for Bandhan Infrastructure Fund

Bandhan Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (29 Aug 25) ₹48.543 ↓ -0.14   (-0.29 %)
Net Assets (Cr) ₹1,676 on 31 Jul 25
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.1
Sharpe Ratio -0.69
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹20,043
31 Jul 22₹19,974
31 Jul 23₹27,326
31 Jul 24₹49,920
31 Jul 25₹43,568

Bandhan Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for Bandhan Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25

DurationReturns
1 Month -3.4%
3 Month -4.4%
6 Month 19.1%
1 Year -12.7%
3 Year 25.9%
5 Year 30.9%
10 Year
15 Year
Since launch 11.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 39.3%
2023 50.3%
2022 1.7%
2021 64.8%
2020 6.3%
2019 -5.3%
2018 -25.9%
2017 58.7%
2016 10.7%
2015 -0.2%
Fund Manager information for Bandhan Infrastructure Fund
NameSinceTenure
Vishal Biraia24 Jan 241.52 Yr.
Ritika Behera7 Oct 231.82 Yr.
Gaurav Satra7 Jun 241.15 Yr.

Data below for Bandhan Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials53.42%
Utility12.27%
Basic Materials7.58%
Communication Services4.88%
Energy3.88%
Financial Services3.7%
Technology2.53%
Health Care1.87%
Consumer Cyclical1.71%
Real Estate0.63%
Asset Allocation
Asset ClassValue
Cash7.52%
Equity92.48%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS
6%₹105 Cr443,385
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
4%₹76 Cr206,262
↑ 23,089
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE
4%₹68 Cr452,706
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
4%₹66 Cr330,018
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA
4%₹61 Cr4,782,533
↓ -14,610
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
3%₹61 Cr50,452
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL
3%₹60 Cr1,431,700
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS
3%₹53 Cr365,137
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
3%₹53 Cr12,400,122
KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 532714
3%₹47 Cr512,915

2. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

Research Highlights for HDFC Infrastructure Fund

  • Highest AUM (₹2,540 Cr).
  • Oldest track record among peers (17 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 30.69% (bottom quartile).
  • 3Y return: 27.37% (upper mid).
  • 1Y return: -5.80% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.56 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Top sector: Industrials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~93%).
  • Largest holding ICICI Bank Ltd (~7.3%).

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (29 Aug 25) ₹46.343 ↓ -0.12   (-0.25 %)
Net Assets (Cr) ₹2,540 on 31 Jul 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.06
Sharpe Ratio -0.56
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹18,825
31 Jul 22₹20,454
31 Jul 23₹29,022
31 Jul 24₹48,197
31 Jul 25₹45,754

HDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹642,208.
Net Profit of ₹342,208
Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Aug 25

DurationReturns
1 Month -2.9%
3 Month -2.3%
6 Month 17%
1 Year -5.8%
3 Year 27.4%
5 Year 30.7%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 23%
2023 55.4%
2022 19.3%
2021 43.2%
2020 -7.5%
2019 -3.4%
2018 -29%
2017 43.3%
2016 -1.9%
2015 -2.5%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Srinivasan Ramamurthy12 Jan 241.55 Yr.
Dhruv Muchhal22 Jun 232.11 Yr.

Data below for HDFC Infrastructure Fund as on 31 Jul 25

Equity Sector Allocation
SectorValue
Industrials39.21%
Financial Services19.99%
Basic Materials10.82%
Utility6.94%
Energy6.55%
Communication Services3.93%
Real Estate2.13%
Health Care1.68%
Technology1.43%
Consumer Cyclical0.5%
Asset Allocation
Asset ClassValue
Cash6.83%
Equity93.17%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | 532174
7%₹188 Cr1,300,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
5%₹140 Cr700,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
5%₹139 Cr380,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
4%₹101 Cr1,400,000
↓ -50,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
4%₹93 Cr758,285
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹90 Cr150,000
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹75 Cr500,000
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
3%₹74 Cr2,200,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹70 Cr350,000
G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 543317
2%₹62 Cr470,000

Disclaimer:
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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