Retirement Calculators
Plan your retirement with confidence. Calculate the corpus you need and how to build it.
4 calculators available
Retirement Corpus Calculator
Calculate how much corpus you need for retirement based on your monthly expenses and inflation.
Retirement SIP Calculator
Find the monthly SIP amount needed to build your target retirement corpus.
Pension Calculator
Calculate monthly pension income you can get from your retirement corpus.
NPS Calculator
Calculate National Pension Scheme returns with annuity options and tax benefits.
Retirement Planning in India
With increasing life expectancy and rising healthcare costs, retirement planning has become essential. The earlier you start, the less you need to save each month thanks to the power of compounding.
The Retirement Planning Process
- Estimate expenses: Calculate your current monthly expenses
- Account for inflation: Project future expenses at 6-7% inflation
- Determine corpus: Usually 25-30 times annual expenses
- Calculate SIP: Find monthly investment needed to reach the corpus
- Plan withdrawals: Structure pension to last through retirement
Retirement Corpus Examples
| Current Age | Monthly Expense | Retire at 60 | Corpus Needed | Monthly SIP |
|---|---|---|---|---|
| 30 | ₹50,000 | 30 years | ₹5.7 Cr | ₹25,000 |
| 35 | ₹50,000 | 25 years | ₹4.3 Cr | ₹32,000 |
| 40 | ₹50,000 | 20 years | ₹3.2 Cr | ₹45,000 |
Assuming 12% investment returns and 6% inflation. Actual numbers vary.
Frequently Asked Questions
How much corpus do I need to retire comfortably in India?
A rule of thumb is 25-30 times your annual expenses. If you currently spend ₹50,000/month (₹6 lakh/year), you'll need approximately ₹1.5-2 crore, accounting for inflation over the years until retirement. Use our Retirement Corpus Calculator for personalized numbers.
What is the 4% rule for retirement?
The 4% rule suggests you can safely withdraw 4% of your retirement corpus annually without depleting it for 30+ years. For a ₹1 crore corpus, that's ₹4 lakh/year or about ₹33,333/month. In India, with higher inflation, a more conservative 3-3.5% withdrawal rate might be safer.
Should I invest in NPS for retirement?
NPS offers an additional tax deduction of ₹50,000 under Section 80CCD(1B), over the ₹1.5 lakh limit of 80C. However, 40% of the corpus must be used to buy an annuity at retirement, and annuity rates in India are relatively low. Consider NPS as part of a diversified retirement strategy, not the only vehicle.