Retirement Calculator

Factor in inflation: expenses double every ~12 years at 6% inflation.

Our retirement calculator India helps you estimate the corpus you need to retire comfortably, and how much you need to invest monthly to reach that target. It accounts for inflation (so your retirement expenses in today's rupees are projected to their future value) and uses the internationally accepted 4% safe withdrawal rate as the benchmark for sustainable retirement.

The retirement planning formula for Indians: If your current monthly expenses are ₹60,000 at age 30, and you plan to retire at 60, at 6% inflation, you will need ₹3.45 lakh/month in retirement. Applying the 4% rule (or 25× rule), your retirement corpus must be: ₹3.45 lakh × 12 × 25 = ₹10.35 crore. To build this corpus in 30 years at 12% return, you need to invest approximately ₹35,000/month via SIP.

Key factors for Indian retirement planning: (1) Account for medical inflation (15–20% p.a. — much higher than general inflation), (2) Include parents' care costs if applicable, (3) Factor in children's education and marriage expenses, (4) Plan for longevity — average Indian life expectancy is 70, but healthier individuals often live to 80–85, meaning 20–25 years of retirement. Use our retirement corpus calculator to stress-test different scenarios.