Retirement Calculator

Plan your golden years with confidence. Calculate how much you need to save for a comfortable retirement and create your retirement roadmap.

Plan Your Retirement

Enter your details to calculate your retirement corpus and savings plan

Current Age (Years)

Your current age in years

Planned Retirement Age (Years)

Age at which you plan to retire

Life Expectancy (Years)

Expected lifespan for planning

Current Retirement Savings (₹)

₹

Amount already saved for retirement

Expected Monthly Expenses in Retirement (₹)

₹

Monthly living expenses after retirement

Expected Annual Returns (%)

Expected annual return on investments

Expected Inflation Rate (%)

Average annual inflation rate

Retirement Summary

Enter your retirement details

to see your retirement plan

Yearly Savings Plan

Age	Yearly Savings	Total Corpus	Monthly Savings

Retirement Planning Guide

Set Clear Goals

Define your retirement lifestyle and calculate the corpus needed to support it comfortably.

Start Early

The power of compounding works best when you start saving early in your career.

Diversify Investments

Spread your investments across different asset classes to manage risk effectively.

Regular Review

Review your retirement plan annually and adjust for life changes and market conditions.

The Power of Starting Early

Starting at age 25: ₹5,000/month

Starting at age 35: ₹12,000/month

Starting at age 45: ₹30,000/month

To achieve same retirement corpus of ₹5 Crores at age 60 (8% returns)

Impact of Returns

At 6% returns: ₹8,200/month

At 8% returns: ₹5,000/month

At 10% returns: ₹3,200/month

Monthly savings needed for ₹2 Crores corpus starting at age 30

Retirement Investment Options

EPF & PPF

Government-backed savings with tax benefits and guaranteed returns.

Returns: 7-8% • Risk: Low

Mutual Funds

Diversified equity and debt funds for long-term wealth creation.

Returns: 10-12% • Risk: Medium

NPS

National Pension System with tax benefits and flexible investment options.

Returns: 8-10% • Risk: Medium

Frequently Asked Questions

When should I start retirement planning?

The ideal time to start retirement planning is in your 20s or early 30s. Starting early allows you to benefit from compounding and requires smaller monthly contributions. However, it's never too late to start - begin as soon as possible regardless of your age.

How much retirement corpus do I need?

A common rule of thumb is to aim for 25-30 times your annual expenses at retirement. For example, if you need ₹6 lakhs per year (₹50,000 per month), you should target ₹1.5-1.8 crores corpus. However, this varies based on lifestyle, inflation, and life expectancy.

What is the 4% retirement rule?

The 4% rule suggests that you can withdraw 4% of your retirement corpus annually without running out of money for 30 years. For example, with a ₹2 crore corpus, you can withdraw ₹8 lakhs per year. This rule considers inflation and investment returns.

How does inflation affect retirement planning?

Inflation reduces purchasing power over time. If inflation is 6%, ₹50,000 today will be equivalent to ₹1.07 lakhs in 15 years. Your retirement corpus must account for inflation to maintain your standard of living throughout retirement.

What are the best investment options for retirement?

Diversify across EPF/PPF for safety, equity mutual funds for growth, NPS for tax efficiency, and debt funds for stability. The allocation should become more conservative as you approach retirement age to protect your corpus.