Retirement Calculator
Plan your retirement effectively. Calculate retirement corpus needed and monthly savings required for a comfortable retired life.
Retirement Corpus Needed
₹0
At age 60
Monthly Savings Required
₹0
For next 30 years
Future Monthly Expenses
₹0
At retirement (inflation adjusted)
Retirement Planning Guide
Retirement planning is the process of determining retirement income goals and the actions necessary to achieve those goals. Start early to harness the power of compounding.
How Much Do You Need?
- Rule of Thumb: Save 15-20 times your annual expenses
- Monthly Expenses: Estimate ₹50,000-1,00,000 for comfortable retirement
- Life Expectancy: Plan for 25-30 years post-retirement
- Inflation: Account for 6-7% annual inflation
Retirement Investment Options
- EPF/PPF: Safe, guaranteed returns (7-8%)
- NPS: Tax benefits, equity exposure (8-12%)
- Mutual Funds: SIP in balanced funds (10-12%)
- Real Estate: Rental income post-retirement
- Senior Citizen Schemes: Post office, bank FDs
Age-wise Strategy
- 20s-30s: Aggressive equity (70-80%), start early
- 40s: Balanced approach (50-60% equity)
- 50s: Conservative (30-40% equity, focus on debt)
- 60+: Safety first (10-20% equity, rest in FDs/debt)
💡 Pro Tip:
Start retirement planning in your 20s. Even ₹5,000/month invested for 30 years at 12% returns becomes ₹1.76 crore! The earlier you start, the less you need to save monthly.
⚠️ Important:
Don't rely solely on EPF/pension. Build a diversified retirement portfolio. Have health insurance (₹10-20 lakh) to avoid medical emergencies eating into your corpus.