Retirement Planning Calculator
Plan your retirement with confidence. This calculator estimates the total corpus you need to maintain your current lifestyle after retirement (adjusted for inflation), how much your existing savings will grow, and the monthly SIP amount you need to start today to bridge any gap.
Frequently Asked Questions
How much corpus do I need to retire in India?+
A common rule of thumb is the "25× rule" — multiply your annual expenses by 25. At a 4% annual withdrawal rate, this corpus lasts 30 years. For India's higher inflation environment, many planners suggest 30× or using a real-return withdrawal analysis as this calculator does.
Why does inflation matter so much in retirement planning?+
Inflation erodes purchasing power. At 6% inflation, ₹50,000/month today becomes ₹1.61 lakh/month in 20 years and ₹2.87 lakh/month in 30 years. Your retirement corpus must sustain these inflation-adjusted expenses across 25–30 years of retirement.
What return should I assume for post-retirement investments?+
Post-retirement portfolios are typically more conservative (heavy in FDs, bonds, annuities, and some balanced funds). A 6–8% return is reasonable in India's current rate environment. Using 7% with 6% inflation gives a real return of about 0.9% — which is why you need a substantial corpus.
Should I include EPF and PPF in existing savings?+
Yes — include all long-term savings: EPF balance, PPF corpus, mutual fund portfolio, NPS, FDs, and any other investments. However, be conservative: only include the current market/redeemable value, and do not double-count if you're also contributing to NPS separately.