Retirement Calculator
Find how much to save monthly to retire comfortably, with clear projections.
If you spend ₹50,000/month today at age 30, you’ll need roughly ₹2.9 lakh/month at 60 (6% inflation) — and a corpus near ₹7 crore. That sounds huge, but a ₹25,000 monthly SIP at 12% for 30 years builds about ₹7.6 crore. Time does the heavy lifting.
How to use the retirement calculator
- Enter your age, retirement age and expenses.
- Set inflation and return assumptions.
- See your corpus target and required monthly saving.
Retirement Calculator — FAQs
How much corpus do I need to retire in India?
A rule of thumb: 25–30x your annual expenses at retirement. At ₹12 lakh/year expenses, that’s ₹3–3.6 crore — adjusted for inflation to your retirement year.
What is a safe withdrawal rate?
Around 4% per year is the classic guideline: your corpus should be ~25x what you withdraw annually so it lasts 25–30 years.
Should I count EPF and PPF in my corpus?
Yes — project them to retirement and subtract from your target. The calculator’s monthly figure is what you still need to save beyond them.
What inflation rate should I assume?
6% is a reasonable long-term assumption for India — headline inflation plus lifestyle creep.
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