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Retirement Calculator
The corpus you need, adjusted for inflation, and the monthly investment that gets you there.
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Result
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Retirement planning has three unknowns — how long you live, what inflation does, and what markets return. The point of this calculator is not precision. It is to show whether your current saving rate is in the right order of magnitude.
How the corpus is worked out
Your present monthly expense is inflated to the year you retire, then the corpus required to fund that spending — rising with inflation — for the rest of your life is calculated at a lower, safer post-retirement return. The gap between that and what you already have, grown forward, becomes the monthly investment figure.
Why the number looks large
Thirty years of retirement at 6% inflation means the last year costs nearly six times the first. The corpus has to fund that tail, which is why the figure is usually a multiple of what people expect.
The levers
Retiring two years later does more than almost any change to the return assumption: it adds two years of contributions and removes two years of withdrawals. Healthcare deserves separate treatment — a cover that continues past retirement is far cheaper than funding it from this corpus.
Frequently asked questions
How much do I need to retire in India?
It depends on your spending, not on a round number. A household spending ₹75,000 a month today and retiring in 28 years typically needs a corpus in the range of ₹8 to ₹12 crore, because 6% inflation nearly quadruples that spending before retirement even begins.
Why is the corpus figure so large?
Because it has to fund a rising expense for two or three decades. At 6% inflation, the last year of a 25-year retirement costs more than four times the first. The corpus funds that tail, not just the first year.
What return should I assume after retiring?
Lower than before — typically 6% to 8% — because the portfolio shifts towards debt for stability. The calculator uses a separate post-retirement rate for exactly this reason.
How does the 4% rule apply in India?
It was derived from US data and is generally considered optimistic here, given higher inflation. The calculator shows the 4% figure alongside its own result as a sanity check rather than as a recommendation.
What about healthcare costs?
Medical inflation runs well above general inflation. A health policy that continues past retirement is far cheaper than funding treatment from the corpus, and should be arranged well before you stop working.