Calculators / Retirement Calculator
🌴 Retirement Corpus Calculator
Answer the big question: how much money do you need to retire — and are your current savings and monthly investments actually enough to get there?
Target corpus uses the 25× rule (the "4% safe withdrawal rate"), applied to your inflation-adjusted annual expenses at retirement. Estimates only — not financial advice.
How the target corpus is estimated
Your current monthly expenses are grown by inflation until retirement age, then the 25× rule is applied: a corpus of 25 times your annual expenses supports a ~4% annual withdrawal, which historically sustains a 30-year retirement. Your projected corpus combines the future value of what you've already saved plus your monthly investments.
Why does inflation matter so much?
At 6% inflation, expenses double roughly every 12 years — ₹50,000/month today becomes about ₹2.9 lakh/month in 30 years. Ignoring inflation is the single most common retirement planning mistake.
What return should I assume?
A diversified equity-heavy portfolio has historically returned 11–13% in India over long periods, but using a conservative 10–12% pre-retirement leaves you a margin of safety. This tool is an estimate, not financial advice.