Retirement Calculator
How much corpus you need and how much to save monthly to retire comfortably
Enter Details
₹
%
%
₹
Note: Assumes 6% annual inflation. Post-retirement returns are adjusted for inflation internally.
Results
🌴
Enter your details and click Calculate.
Formula
Corpus = Annual expenses at retirement × [(1 − (1 + real_rate)^-years) ÷ real_rate] real_rate = (1 + return) ÷ (1 + inflation) − 1
- Annual expenses (₹) — Current expenses × (1 + inflation)^years_to_retire
- real_rate (–) — Post-inflation return rate
- years in retirement (years) — Life expectancy − retirement age
Example: ₹50k/month expenses, 30 yrs to retire, 6% inflation, 7% post-retire return → corpus ≈ ₹5.5 Cr
Interpreting Your Result
4% rule
Corpus = 25× annual expenses
A classic guideline, though inflation adjustment matters more in India
Frequently Asked Questions
When should I start saving for retirement?
As early as possible. Starting at 25 vs 35 can result in a 2–3× larger corpus for the same monthly savings, due to compounding.
What is the 4% rule?
Withdraw 4% of your corpus annually — it should last 30 years. Corpus needed = 25× your annual retirement expenses.