Retirement Calculator

Frequently Asked Questions

• How much money do I need to retire in India?
  A common rule: 25–30× your annual expenses at retirement, adjusted for inflation. So ₹6 lakh/year expenses today, retiring in 25 years at 6% inflation, means needing roughly ₹6.4 crore corpus. Our calculator runs this math for your inputs.
• What inflation rate should I assume for retirement planning?
  Use 5–7% for India. Medical inflation specifically runs higher (8–10%), so factor that in if a large share of retirement spending will be healthcare.
• What return rate is realistic post-retirement?
  Pre-retirement, a diversified equity-heavy portfolio has historically returned 10–12%. Post-retirement, shift to safer instruments (debt funds, FDs, SCSS) returning 6–8%. The calculator lets you set different rates for each phase.
• Should I include EPF/NPS in my retirement corpus?
  Yes. Add current EPF balance + expected NPS corpus + other investments as your starting point. The calculator lets you enter existing savings so the shortfall reflects what you still need to invest.