About Retirement Calculator
Retirement planning is one of the most critical financial decisions you'll make. With increasing life expectancy, rising healthcare costs, and inflation eroding purchasing power, building an adequate retirement corpus requires early and consistent planning. Our retirement calculator helps you visualize how much you need and how to get there.
How Much Do You Need to Retire?
The standard rule: Save 25ร your annual expenses (the 4% withdrawal rule). If you spend โน5 lakh per year, you need โน1.25 crore at retirement. In India, with higher inflation (6โ7%), a more conservative target is 30ร annual expenses.
Inflation Impact on Retirement
At 6% inflation, โน50,000/month today becomes โน1,60,357/month in 20 years. Your retirement corpus must account for this purchasing power erosion. Our calculator applies inflation adjustments to give you realistic targets.
Retirement Savings Vehicles in India
EPF: Employer + employee contribution, 8.15% guaranteed interest. NPS: Market-linked returns, tax benefits under 80CCD. PPF: 7.1% guaranteed, 15-year lock-in, completely tax-free. Mutual fund SIPs: Potentially 10โ14% returns, market risk. All of these should be part of a diversified retirement strategy.