Why Use Our Retirement Calculator?

📊 Real-time chart shows retirement corpus growth over time
✅ Inflation-adjusted income estimation for realistic planning
🇮🇳 Designed specifically for Indian tax and investment rules
💰 Compare current savings vs required corpus scenarios
📱 100% mobile-friendly, no app download required
🎯 Gap analysis shows exactly how much more you need to save

Retirement Planning Calculator

Current Age

18 years 65 years

Your current age determines investment timeline

Retirement Age

50 years 75 years

Age when you plan to retire

Current Savings (₹)

₹0 ₹50L

Your existing retirement savings

Monthly Contribution (₹)

₹1K ₹1L

Amount you can save monthly for retirement

Expected Annual Return (%)

5% 20%

Conservative: 8%, Moderate: 12%, Aggressive: 15%

Expected Inflation Rate (%)

3% 10%

India's average inflation: 5-7% annually

Current Monthly Expenses (₹)

₹20K ₹2L

Your current monthly living expenses

Life Expectancy After Retirement

15 years 40 years

How long you expect to live after retirement

Your Retirement Planning Results

₹5,84,23,058 Retirement Corpus at Age 60

Total Contributions

Monthly: ₹15,000

Years: 30

Total: ₹54,00,000

Current Savings Growth

Current: ₹5,00,000

Future Value: ₹14,91,394

Monthly Income Possible

₹75,230

Total Investment

₹59,00,000

Wealth Generated

₹5,25,23,058

Real Return (Inflation Adj.)

6.0%

Years to Retirement

30 years

Corpus Multiple

9.9x

Gap Analysis

Required Corpus: ₹5,84,23,058

Projected Corpus: ₹5,84,23,058

Gap: ₹0 (You're on track!)

Recommendation: Continue your current savings plan.

Retirement Milestones

Age 35 ₹12.5L

Age 40 ₹35.2L

Age 45 ₹75.8L

Age 50 ₹1.45Cr

Age 55 ₹2.85Cr

*Based on your current plan

Retirement Planning Tips

Start saving early to benefit from compounding
Aim to save 15-20% of your income
Diversify across equity, debt, and real estate
Take advantage of tax-saving instruments
Review and adjust your plan annually
Consider healthcare inflation in planning
Build an emergency fund separately

Complete Guide to Retirement Planning in India

Retirement planning is the process of determining retirement income goals and making financial decisions to achieve those objectives. In India, with rising life expectancy and changing family structures, having a robust retirement plan is more crucial than ever.

Retirement Planning Strategies by Age

20s - 30s: Aggressive Growth

Focus on equity investments for maximum growth potential.

80-90% equity allocation
Start SIPs in equity mutual funds
Take higher risks for better returns
Invest in ELSS for tax benefits

30s - 40s: Balanced Approach

Balance growth with some stability as responsibilities increase.

70-80% equity, 20-30% debt
Increase contribution amounts
Consider NPS for additional tax benefits
Diversify across asset classes

40s - 50s: Conservative Focus

Reduce risk and preserve capital as retirement approaches.

50-60% equity, 40-50% debt
Focus on capital preservation
Maximize EPF and PPF contributions
Consider real estate investments

50s+: Income Generation

Shift focus to income-generating stable investments.

30-40% equity, 60-70% debt
Invest in senior citizen schemes
Consider annuity products
Maintain emergency corpus

Best Retirement Investment Options in India

Investment Option	Tax Benefits	Lock-in Period	Expected Returns	Risk Level
Employee Provident Fund (EPF)	Section 80C + Tax-free returns	Till retirement	8-9%	Low
Public Provident Fund (PPF)	Section 80C + Tax-free returns	15 years	7-8%	Low
National Pension System (NPS)	Section 80C + 80CCD(1B)	Till 60	10-12%	Medium
Equity Mutual Funds	LTCG tax benefits	None	12-15%	High
ELSS Mutual Funds	Section 80C	3 years	12-15%	High

Key Factors in Retirement Planning

Inflation Impact: What costs ₹100 today will cost ₹432 after 25 years at 6% inflation
Life Expectancy: Plan for 20-25 years post-retirement to account for increasing lifespans
Healthcare Costs: Medical expenses typically increase 10-15% annually
Lifestyle Maintenance: Aim to replace 70-80% of your pre-retirement income
Tax Efficiency: Use tax-advantaged accounts like EPF, PPF, and NPS
Asset Allocation: Adjust equity-debt ratio based on age and risk tolerance

Common Retirement Planning Mistakes to Avoid

Starting too late and missing out on the power of compounding
Underestimating inflation impact on future expenses
Over-relying on traditional fixed deposits with low returns
Not factoring in healthcare and lifestyle inflation
Withdrawing from retirement funds for other goals
Not reviewing and adjusting the plan regularly
Ignoring tax-efficient investment options

Retirement Planning Calculator - FAQ

How much should I save for retirement monthly?

As a thumb rule, save 15-20% of your income for retirement. If you start early (20s), 10-15% may suffice. Use our calculator to get personalized recommendations based on your goals.

What is a good retirement corpus in India?

A good retirement corpus should be 25-30 times your annual expenses. For example, if you spend ₹5 lakh annually, aim for ₹1.25-1.5 crore corpus, adjusted for inflation.

Should I invest in NPS or mutual funds?

Both have merits. NPS offers additional tax benefits (Section 80CCD) but has limited liquidity. Mutual funds offer flexibility but lower tax benefits. Consider a mix of both.

How does inflation affect retirement planning?

Inflation reduces purchasing power over time. At 6% inflation, prices double every 12 years. Our calculator factors inflation to show real purchasing power of your retirement corpus.

When should I start retirement planning?

The earlier, the better. Starting at 25 vs 35 can mean needing 50% less monthly savings due to compounding. Even if you're 40+, it's never too late to start.

What if I can't save the recommended amount?

Start with whatever you can afford and increase gradually. Even ₹1,000 monthly is better than nothing. Increase contributions with salary hikes and bonuses.

How often should I review my retirement plan?

Review annually or when major life events occur (marriage, children, job change). Adjust contributions, asset allocation, and goals based on changing circumstances.

Are the calculator results guaranteed?

No, these are projections based on assumed returns and inflation. Actual results may vary due to market conditions. Use this as a planning tool and consult a financial advisor for detailed advice.

Retirement Calculator India - Smart Planning for 2025 & Beyond