Run a conservative scenario before relying on the headline result.
Retirement Planner
Translate today’s lifestyle into a future retirement target. Adjust the assumptions, inspect the chart and read the complete guide below.
02 Your projection
Target retirement corpus₹11.04 CrUpdates instantly as you edit
Total invested / base₹9.00 L
Growth / cost₹10.95 Cr
Monthly expense at retirement₹3.22 L
Projection journeyHover to inspect a year
Uses a 3.5% withdrawal assumption and excludes other retirement income.
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Five smart nudges
Use the result with context.
Review the assumptions after any major change in income, rates or goals.
Keep emergency money separate from long-term investments.
Account for taxes, charges and inflation when comparing options.
Use this estimate to ask better questions, not as a return promise.
Understanding Retirement in India
Editorially reviewed 12 July 2026 · Rules and assumptions can change
Turn today’s spending into retirement spending
Start with expenses that continue after work ends, remove temporary EMIs or child costs only when they truly finish, and add healthcare, travel and home maintenance. ₹75,000 monthly inflated at 6% for 25 years becomes roughly ₹3.22 lakh a month at retirement. That large nominal number reflects changed prices, not automatically a richer lifestyle.
Use category-specific inflation where possible: healthcare may outpace general inflation, while commuting may fall. Retirement tax and insurance costs need explicit provision.
Corpus is a stream of future cash flows
A shortcut divides first-year annual retirement expense by a withdrawal rate. At ₹3.22 lakh monthly and 4%, the rough target is about ₹9.7 crore. This is a starting estimate, not a guarantee: longevity, investment returns, inflation, tax and spending sequence determine success.
Model pensions, rent and annuity income separately and avoid double-counting EPF, NPS or property. A lower withdrawal rate raises required corpus but provides a larger margin.
Sequence risk and retirement buckets
Poor market returns immediately after retirement can damage the plan even when long-run average returns are adequate, because withdrawals sell more units at low prices. Hold near-term essential spending in suitable stable assets and keep long-horizon money diversified for growth.
Rebalance instead of chasing recent winners. Reduce discretionary withdrawals after severe declines and review healthcare and longevity assumptions periodically.
Accumulation gap
After estimating the target, project current investments and future contributions under conservative returns. A ₹5 crore nominal portfolio is not enough evidence if the target is ₹9.7 crore in the same future rupees. Increase contributions, work longer, reduce planned spending or adjust asset mix rather than inflating the return assumption.
Include spouse age, survivor income and potential care costs. Retirement can last 30 years or more, so the plan must survive beyond average life expectancy.
Retirement checklist
Inventory expenses, assets, liabilities, pensions, EPF/NPS, insurance, dependants and estate documents. Stress inflation, return, retirement age and longevity independently.
Review annually and five years before retirement create a detailed withdrawal and tax plan. This calculator does not replace cash-flow modelling for individual circumstances.
Official sources used for this guide
Rates, thresholds and rules can change after the review date. Check the linked authority and the provider’s current documents before acting.
Retirement calculator FAQs
Why does future monthly expense look so high?
Compounded inflation can multiply prices over a 20–30 year horizon.
Is 25 times annual expense always enough?
No. It corresponds to a 4% shortcut and ignores individual longevity, tax, asset mix and return sequence.
Should a home be counted in retirement corpus?
Only if there is a credible plan to generate cash from it; a self-occupied home does not directly pay expenses.
Why hold stable assets after retirement?
They can fund near-term spending without forced equity sales during a downturn.
Should healthcare use general inflation?
A higher separate assumption may be prudent because healthcare costs can behave differently.