How much do you need to retire comfortably in India? Fill in your details and get a complete retirement plan in seconds.
The Retirement Corpus Calculator estimates how much money you need to accumulate by your retirement date to sustain your desired lifestyle post-retirement, and how much you should save each month to reach that goal. It factors in inflation (to calculate future value of current expenses), expected return on retirement corpus, life expectancy, and any existing savings. This tool helps in long-term financial planning for individuals and is especially useful for retirement planning by CAs advising clients.
What inflation rate should I use?
India's long-term average inflation is around 5–6%. For conservative planning, use 6–7%. Healthcare inflation tends to be higher (8–10%), so adjust if significant medical expenses are expected.
How much corpus do I need to retire?
A common rule: you need 25–30 times your annual expenses at retirement (the 4% rule — you can withdraw 4% of corpus annually and it should last 25–30 years). This calculator gives you a personalised estimate.
Should I include EPF/PPF in retirement corpus?
Yes. Enter your current PF balance, NPS corpus, PPF balance, and other retirement savings as existing corpus. The calculator will show additional savings needed.
What if I live longer than expected?
The calculator allows you to set a conservative life expectancy (e.g., 85–90 years). Building a buffer beyond your estimated need is prudent — consider an annuity for guaranteed lifetime income.