Retirement Calculator
Plan your retirement corpus accounting for inflation, life expectancy, and post-retirement returns. Free, privacy-first — inputs never leave your browser.
Details
Result
Retirement Corpus Needed
₹6,86,42,174
Monthly SIP Required
₹14,354
Monthly Expense at Retirement
₹2,87,175
Years to Retire
30
Years in Retirement
25
For estimation only. Not professional financial, tax, or legal advice. Consult a qualified advisor before making decisions. Full disclaimer.
Retirement planning in India
With 6% inflation over 25 years, ₹50,000 of today's monthly expenses becomes ~₹2.15L. A retirement corpus must fund 20+ years of these inflation-adjusted expenses while also growing at 7-8% post-retirement. The classic 4% rule suggests 25× annual expenses as corpus — for India, with higher inflation, aim for 30× instead.
Common questions about Retirement
How much corpus do I need to retire in India?+
Rule of thumb: 25-30× your annual expenses at retirement. If you need ₹12 lakh/year in today's money, and retire in 25 years at 6% inflation, annual expenses then will be ~₹51 lakh, requiring a corpus of ₹12.75-15.3 crore. The 4% Safe Withdrawal Rate (4% SWR) is the underlying basis — a corpus giving 4% real return annually should last 30+ years without depletion.
What is the FIRE movement?+
Financial Independence, Retire Early — aims to accumulate 25-30× annual expenses via aggressive savings (50%+ of income) and frugal living, enabling retirement in 30s-40s. "Lean FIRE" targets minimal lifestyle (~₹5-8 lakh/year expenses, ₹1.5-2 crore corpus). "Fat FIRE" aims for ₹25 lakh+ annual expenses (₹7-10+ crore corpus). Achievable in India via high-income tech/finance careers with 55%-65% savings rate into equity funds.
How should I invest for retirement?+
Mix based on years to retirement: 20+ years — 70%-80% equity (index funds, flexi-cap mutual funds), 10%-20% EPF/PPF, 10% gold. 10-20 years — gradually reduce equity to 60%. 5-10 years before retirement — shift to 50% equity, 40% debt, 10% gold. Post-retirement — bucket strategy: 3 years expenses in FD/liquid, rest in hybrid and equity. Never abandon equity entirely; inflation requires growth even in retirement.
What role does NPS play in retirement planning?+
NPS is the most tax-efficient retirement vehicle in India: up to ₹2 lakh tax deduction (80C + 80CCD(1B)) + employer contribution up to 10%/14% of basic (80CCD(2)). At 60, 60% withdrawal is tax-free; 40% compulsorily goes to annuity (taxable). Best allocation: active choice with 75% equity for investors under 40. Blend NPS with equity mutual funds and PPF for optimal mix of tax, growth, and flexibility.
How long will my retirement corpus last?+
Depends on withdrawal rate and asset mix. At 4% annual withdrawal (inflation-indexed) from an 8% real-return portfolio, corpus lasts 30+ years. At 6% withdrawal rate, it lasts ~20 years. At 8%, only 14-16 years. Factor in rising healthcare inflation (10%+) and longevity — plan corpus to last till age 90-95, not just 70-75. Sequence-of-returns risk (market crash in early retirement) is a real threat.
Should I buy an annuity for retirement income?+
Partially, yes. Annuities offer lifelong guaranteed income — useful for covering core fixed expenses (rent/maintenance, utilities, basic food). NPS rules mandate 40% annuitisation anyway. However, annuity returns are low (~6%-7%) and typically not inflation-indexed. Limit annuity to 20%-30% of corpus; keep the rest in equity/hybrid mutual funds for growth and flexibility to meet discretionary and healthcare inflation.