Find out if you're on track for the retirement you deserve — with inflation, corpus, and monthly income clarity.
Your Profile
Tell us where you are today so we can map your journey ahead.
Your age today
When you want to stop
Plan conservatively — use 85–90
All household expenses today
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Fill in your profile to see your retirement timeline.
Your Money
What you've saved and what you're putting away each month.
PF + PPF + NPS + mutual funds for retirement
SIP + EPF employee contribution + NPS
Pre-retirement growth
Yearly increase in SIP
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Add your savings details to see your projected corpus.
Retirement Goal
Define what a comfortable retirement looks like for you.
India long-term average: 5–7%. Use 6%.
Conservative portfolio after retirement
Most retirees need 70–80% of pre-retirement expenses
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Set your goal and hit Calculate to see your full retirement picture.
Corpus Growth Over Time
Corpus Breakdown at Retirement
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Corpus
Existing savings
Fresh investments
Your Retirement Picture
Here's What the Numbers Say
Corpus You Need at Retirement
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Corpus You'll Build
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At your current savings rate
Gap / Surplus
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Monthly Income in Retirement
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Inflation-adjusted, first year of retirement
The Full Journey
Your Wealth Map — Year by Year
Age
Monthly SIP
Annual Contrib.
Corpus Value
Milestone
Real Story
Arjun from Bengaluru Started at 28 with ₹8,000/month
Arjun, a software engineer earning ₹80,000/month, looked at his EPF statement at 28 and realised he was relying entirely on his employer's contribution. He opened an NPS account and started a ₹5,000 SIP — and increased both by 10% every April with his salary hike. By 35, his retirement corpus had crossed ₹30 lakh without any lump sum investments. His target: retire at 58 with ₹3 crore. His calculator told him at 28 that he needed ₹7,200/month to get there. He was already doing ₹8,000. The peace of mind was the real return.
Lesson: You don't need a large starting amount. You need a plan that starts today and steps up with your income.
The Basics
Why Retirement Planning Is Different in India
No Social Security Net
Unlike Western countries, India has no universal pension. Most private sector employees get EPF — but the corpus is rarely enough for 25–30 years of post-retirement living. Your retirement falls entirely on your own savings.
Inflation is Your Biggest Enemy
At 6% inflation, ₹60,000/month today becomes ₹1.93 lakh/month in 20 years. Your retirement corpus must grow faster than inflation, or it will run out before you do.
What This Calculator Considers
Inflation-adjusted monthly expenses at retirement
Corpus needed to sustain 25–30 years post-retirement
Existing savings compounded to retirement date
Step-up investments on a salary-growth model
Post-retirement returns on a conservative portfolio
The 4% Rule — India Context
The Western 4% withdrawal rule doesn't fully apply in India due to higher inflation. A safer withdrawal rate here is 3–3.5%. This calculator uses your actual post-retirement return and inflation inputs to compute a sustainable monthly draw.
Most Indians plan for the next EMI. Very few plan for the last 25 years of their life. One of these is optional.
finfluencee.com — Retirement Reality Check
Common Questions
Frequently Asked Questions
It depends on your expenses, inflation, and how long you expect to live. A thumb rule: multiply your expected monthly retirement expenses by 300. But this calculator gives you a precise number based on your actual inputs, inflation rate, and post-retirement portfolio returns.
Yes. EPF and PPF are among the safest and most tax-efficient retirement instruments for Indian salaried professionals. Include your current EPF balance and projected PPF maturity in the "Existing Retirement Savings" field. EPF interest is tax-free up to ₹2.5 lakh contribution per year.
Before retirement in equity mutual funds, 11–13% is historically reasonable over 15–20 years. After retirement, switch to a conservative portfolio — use 7–8%. The difference between pre- and post-retirement return assumptions is critical to accurate planning.
Use 6% as a baseline. India's CPI inflation has averaged 5.5–6.5% over the past decade. Healthcare inflation runs at 8–10%, which becomes significant in retirement. For a conservative plan, use 7%.
NPS is excellent — especially for the additional ₹50,000 tax deduction under Section 80CCD(1B) over the ₹1.5 lakh 80C limit. The equity component (Tier I, Scheme E) has historically delivered 12–14%. The mandatory annuity on 40% at maturity is a limitation, but accumulation benefits are significant.
Yes, but the math is harder. Retiring at 50 instead of 60 means 10 fewer earning years, 10 more retirement years to fund, and your corpus must sustain 35+ years. This calculator handles any retirement age — just enter your target and see what it requires.
Disclaimer: This calculator is for illustrative purposes only. All projections are estimates based on inputs and assumed return/inflation rates. Actual returns will vary. This does not constitute financial advice. Please consult a SEBI-registered financial advisor for personalised retirement planning. Mutual fund investments are subject to market risks.
