Retirement Calculator

Calculate how much you need to save for a comfortable retirement based on your current lifestyle

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Retirement Corpus Needed ₹4.87 Cr
Expected Corpus at Retirement ₹5.23 Cr
Monthly Expenses at Retirement ₹2.93 L
Years Until Retirement 30
Shortfall/Surplus ₹36.5 L surplus
Year Age Corpus

Retirement Planning Guide

This calculator helps you estimate how much you need to save for retirement based on your current lifestyle, expected inflation, and investment returns. Proper retirement planning ensures you maintain your standard of living when you stop working.

Key Retirement Planning Concepts

  • Retirement Corpus: Total amount needed at retirement to fund your post-retirement life
  • Inflation Adjustment: Future expenses will be higher due to inflation
  • 4% Withdrawal Rule: Safe annual withdrawal rate that preserves your corpus
  • Compounding: Your investments grow exponentially over time

How Much Do You Need to Retire?

The calculator uses this approach:

  1. Projects your current expenses to retirement age considering inflation
  2. Calculates corpus needed to generate that income using conservative returns
  3. Projects your current savings with expected growth rate
  4. Identifies any shortfall between needed and expected corpus

Retirement Planning Strategies

Start Early

Beginning at age 25 vs 35 can mean 2-3x larger corpus with same monthly savings

Increase Savings

Boost savings by 10% annually or whenever you get a raise

Diversify Investments

Mix of equity, debt, and other assets to balance growth and safety

Common Retirement Mistakes

  • Underestimating healthcare costs
  • Not accounting for inflation
  • Being too conservative with investments
  • Not having an emergency fund
  • Counting on children for support