Retirement Calculator
Plan your financial freedom. Are you on track?
Personal Details
Investments
Assumptions (Editable)
Enter your details to see if you are on track.
Exp. at Age 60
Corpus Needed
Projected Corpus
Corpus Comparison
Why is Retirement Planning Hard?
[Image of inflation graph over time]The biggest enemy of retirement planning is Inflation.
If your monthly expense is ₹50,000 today, after 30 years (at 6% inflation), you will need ₹2.87 Lakhs per month just to maintain the same lifestyle. Your retirement corpus must be huge enough to generate this income.
How We Calculate
- Future Expense: We inflate your current expenses to the retirement year to see what your lifestyle will cost then.
- Corpus Needed: We calculate how much money you need to survive for ~25 years after retirement (assuming life expectancy of 85), assuming your money keeps growing at a conservative rate (Post-Retirement Return) while battling inflation.
- Projected Corpus: We calculate how much your current savings and monthly SIPs will grow to by the time you retire (using the higher Pre-Retirement Return of equity).
The 4% Rule
A famous rule of thumb says: "If you can withdraw 4% of your corpus in the first year of retirement and adjust for inflation thereafter, your money should last for 30 years."
Our calculator uses a more precise mathematical model tailored for the Indian economy (where inflation and interest rates differ from the US).