🏖️ Retirement Planning Calculator
Plan your retirement with inflation-adjusted projections. Find out how much corpus you need and how much to save every month for a comfortable retirement.
Retirement Plan Summary
Corpus Needed at 60
₹5,51,47,006
Monthly SIP Required
₹20,536
Expense at Retirement (Annual)
₹34,46,095
Gap After Existing Savings
₹4,64,22,305
Existing Savings FV at 60
₹87,24,701
📋 Year-wise Inflation-Adjusted Projection
| Age | Annual Expense | Accumulated Savings |
|---|---|---|
| 30 | ₹6,00,000 | ₹5,00,000 |
| 35 | ₹8,02,935 | ₹23,09,777 |
| 40 | ₹10,74,509 | ₹52,24,441 |
| 45 | ₹14,37,935 | ₹99,18,536 |
| 50 | ₹19,24,281 | ₹1,74,78,424 |
| 55 | ₹25,75,122 | ₹2,96,53,698 |
| 60 | ₹34,46,095 | ₹4,92,62,099 |
Frequently Asked Questions
How much corpus do I need for retirement?
A common rule is 25-30x your annual expenses at retirement. This calculator uses a more precise annuity-based approach considering inflation and returns during retirement.
What inflation rate should I assume?
India's long-term average inflation is 6-7%. Use 6% for conservative estimates. Healthcare inflation is higher (10-12%), so factor that in separately.
What returns can I expect?
Equity mutual funds have historically returned 12-15% in India over 15+ years. A blended portfolio (equity + debt) might return 9-11%. Use a conservative estimate.
When should I start saving for retirement?
As early as possible. Starting at 25 vs 35 can reduce your required monthly SIP by 50-60% due to compounding. Even small amounts early on make a huge difference.
Should I include EPF in existing savings?
Yes, include your current EPF + PPF + NPS + mutual fund balances. These are all part of your retirement kitty.
What about pension income?
If you expect pension (NPS annuity, government pension), you can reduce your monthly expense figure by that expected amount.