Calculate exactly how much you need to save to retire on your own terms.
Retirement planning is fundamentally a math problem with deeply personal inputs. Your required corpus depends on four variables: current monthly expenses, expected inflation rate, years until retirement, and your expected post-retirement return. A globally used starting point is the 25× Rule — multiply your annual expenses by 25. This assumes a 4% safe withdrawal rate, meaning your portfolio can sustain 30+ years of withdrawals without depletion. Our calculator goes further, modeling inflation-adjusted expenses across your entire retirement horizon.
Spending ₹60,000/month today? Your retirement corpus target is ₹60,000 × 12 × 25 = ₹1.8 crore — in today's money. Adjust upward for inflation to find the future value you'll actually need at retirement.
Starting at 25 vs 35 can halve the required monthly savings. A 25-year-old needs roughly ₹8,000/month to reach ₹5 crore by 60 at 10% returns. A 35-year-old needs ₹21,000/month for the same target.
Healthcare costs typically grow 2–3% above general inflation. Add a dedicated 20–30% buffer to your corpus for medical expenses in your 70s and 80s — this single variable derails more retirement plans than any other.
Financial Independence, Retire Early (FIRE) practitioners target retirement in their 40s by aggressively saving 50–70% of income. Lean FIRE targets a minimal lifestyle; Fat FIRE targets full pre-retirement spending. Both rely on the same 25× Rule.
At 6% annual inflation, ₹1 lakh today becomes the equivalent of just ₹17,411 in purchasing power 30 years from now. This means a retirement corpus that looks large today may be grossly insufficient in real terms. Your retirement plan must target an inflation-adjusted corpus — not a nominal one. Our calculator uses your specified inflation rate to compute the future value of today's expenses, so the target corpus is realistic rather than optimistic.
Conventional wisdom says to shift from equity to debt as you approach retirement — reducing volatility as you become dependent on the portfolio for income. A common rule: subtract your age from 100 (or 110) to get your equity allocation percentage. At 60, that suggests 40–50% in equity. In practice, with life expectancy extending to 80–85+, keeping 30–40% in equity well into retirement is increasingly advised to maintain real returns above inflation. The correct allocation depends on your risk tolerance, health status, and whether you have pension income or rental income supplementing withdrawals.
NPS (National Pension System) offers tax benefits under 80CCD and systematic post-retirement annuity. Senior Citizen Savings Scheme (SCSS) offers government-backed 8.2% p.a. returns on up to ₹30 lakh for retirees above 60.
401(k) contributions up to $23,000/year (2024) grow tax-deferred. IRA contributions allow $7,000/year. Required Minimum Distributions (RMDs) begin at age 73. Roth IRA withdrawals are tax-free in retirement.