Retirement Planner
Corpus needed + monthly savings to retire comfortably
Your Timeline
Plan to age 85–90 to avoid outliving savings
Expenses & Inflation
Today's expenses — will be inflation-adjusted
India: 5–7% long-term average
4% rule: corpus × 4%/yr covers 30yr retirement. Lower SWR = safer.
Your Savings
SIP + EPF + NPS etc.
Equity-heavy: 11–14%. Balanced: 9–11%.
Conservative allocation: FD/debt. 7–9%.
✅
On Track for Retirement
Projected surplus of ₹19.66 L over target
Corpus Growth vs Target
Retirement Numbers
Years to retirement
Current 30 → Retire at 60
30 years
Retirement duration to plan
Age 60 to 85
25 years
Monthly expense at retirement
₹60,000 today inflated at 6%
₹3.45 L
Target corpus (SWR method)
₹41.35 L/yr ÷ 4% SWR
₹10.34 Cr
Target corpus (PV annuity method)
Real rate: 2.0% for 25yr
₹8.07 Cr
Target corpus (higher of both)
₹10.34 Cr
Projected corpus at retirement
₹10.53 Cr
Surplus
₹19.66 L
Monthly saving needed (total)
Currently saving ₹25,000/month
₹49,437
Corpus lasts (post-retirement)
At 8% return, drawing ₹3.45 L/mo
Indefinitely ✓
Retirement Planning Principles
→ The 4% SWR rule: withdraw 4% of corpus in Year 1, then adjust for inflation each year. Historically survives 30yr retirements.
→ Inflation is the biggest risk — ₹60K/month today becomes ₹₹3.45 L/month at retirement at 6%.
→ Start as early as possible — starting at 25 vs 35 roughly doubles the corpus (power of compounding).
→ Don't count on EPF alone — it provides ~30–40% of retirement income. Supplement with NPS, ELSS, equity SIPs.
→ Health insurance corpus is separate from living expenses — plan for ₹50L–1Cr healthcare by retirement age.
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FAQ
Retirement Planner — FAQ
Common questions about this calculator
A rough rule: 25–30× your annual expenses at retirement (4% withdrawal rule). For ₹1L/month expenses at retirement, you'd need ~₹3 crore.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.