Retirement Planner
How much corpus do you need at retirement age to maintain your lifestyle? Factors in Indian inflation (6-7%), realistic post-retirement returns, and life expectancy.
Start a SIP to hit your retirement number
The required monthly SIP above assumes you start now and continue till retirement. Direct mutual fund SIPs (no commission) compound faster.
Compare best mutual fund apps ›Frequently asked questions
What inflation rate should I use for India?
Long-term Indian retail inflation (CPI) averages 6-7%. Use 6.5% as a middle estimate. Healthcare inflation is significantly higher (12-15%) — if you expect heavy medical needs, consider that separately.
What is the 4% withdrawal rule?
The 4% rule (originally from US data) suggests withdrawing 4% of your corpus annually, adjusted for inflation. For India with higher inflation, a 3-3.5% withdrawal is safer to ensure the corpus lasts your full retirement.
Should I include EPF/PPF in retirement planning?
Yes — EPF, PPF, NPS, and gratuity are all part of your retirement corpus. Subtract their estimated maturity value from the "corpus needed" above to get the additional savings you need to build through SIP/other investments.
What is the difference between pre and post-retirement return?
Pre-retirement: while accumulating, you can take more equity risk (10-12% returns). Post-retirement: capital preservation matters more, shift to debt-heavy portfolio (7-9% returns). The calculator uses both rates separately for accurate projection.
How much should I save for retirement?
General rule: save 20-25% of gross income consistently from age 25 onwards. Starting later (35-40) requires 35-50% savings to hit the same goal. Earlier you start, smaller monthly amount needed.