Retirement Calculator
Calculate how much you need for retirement in India. See required corpus with inflation adjustment & monthly SIP needed.
Frequently Asked Questions
How much do I need for retirement?
A common rule is 25-30 times your annual expenses at retirement. Factor in inflation — ₹50,000/month today could be ₹2+ lakh/month in 25 years at 6% inflation.
When should I start saving for retirement?
The earlier the better. Starting at 25 vs 35 can mean 2-3x more corpus due to compounding. Even small amounts invested early can grow significantly over 30+ years.
What is the role of inflation in retirement planning?
Inflation is the biggest risk in retirement. Your expenses will double every 12 years at 6% inflation. A ₹1 crore corpus that seems adequate today may fall short in 20 years.
Should I invest in equity after retirement?
Yes, partially. A common approach is to keep 3-5 years' expenses in FDs/debt and invest the rest in balanced/equity funds. This helps beat inflation while maintaining safety.
How does the 4% withdrawal rule work?
Withdraw 4% of your corpus in the first year, then adjust for inflation each year. This strategy has historically sustained portfolios for 30+ years. In India, 3-3.5% may be safer due to higher inflation.