Retirement Calculator
Plan your retirement corpus and savings
Retirement Planning Tips
- Start early - compounding works best over long periods
- Account for inflation - expenses double every 12 years at 6% inflation
- Plan for 25-30 years post-retirement
- Consider healthcare costs which rise faster than general inflation
Your Details
Retirement Summary
Corpus Needed at 60
₹6.82 Cr
For 25 years of retirement
Projected Corpus
₹8.56 Cr
With current savings plan
Surplus
₹1.74 Cr
You're on track for retirement!
Monthly Expenses at Retirement
₹2.87 L
Adjusted for 6% inflation over 30 years
Year-wise Projection
| Year | Age | Accumulated Corpus | Monthly Expenses (Inflation Adj.) |
|---|---|---|---|
| 5 | 35 | ₹24.97 L | ₹66,911 |
| 10 | 40 | ₹60.17 L | ₹89,542 |
| 15 | 45 | ₹1.22 Cr | ₹1.20 L |
| 20 | 50 | ₹2.32 Cr | ₹1.60 L |
| 25 | 55 | ₹4.24 Cr | ₹2.15 L |
| 30 | 60 | ₹7.64 Cr | ₹2.87 L |
Frequently Asked Questions
A general rule is to have 25-30 times your annual expenses at retirement. This accounts for inflation and a 25-30 year retirement period. Use our calculator for a personalized estimate based on your specific situation.
The 4% rule suggests you can withdraw 4% of your retirement corpus in the first year, then adjust for inflation each year. This strategy aims to make your savings last 30 years. In India, 3-3.5% may be safer due to higher inflation.
The earlier, the better. Starting at 25 vs 35 can mean needing to save half as much monthly due to compounding. Even starting late is better than not starting - increase savings rate to compensate.
Inflation erodes purchasing power. At 6% inflation, expenses double every 12 years. Rs 50,000 monthly today will need Rs 1.6 lakh in 20 years. Always plan with inflation-adjusted expenses.
Yes, include all retirement savings - EPF, PPF, NPS, mutual funds, real estate rental income. EPF and PPF provide stable, tax-free returns while equity investments offer growth potential.