Calculate your retirement corpus based on age, retirement age, annual expenses, inflation, and investment returns. Plan for financial independence.
About Retirement Planning
A comfortable retirement requires careful planning. Most people need 25-30x their annual expenses as retirement corpus. This calculator accounts for inflation, life expectancy, and investment returns. It helps you understand how much to save today to maintain your lifestyle after retirement.
How It Works
The calculator estimates the total corpus needed by projecting expenses with inflation until life expectancy, then calculates how much you need today based on expected returns. For example, if you need ₹50,000/month now (₹6 lakh/year) with 5% inflation and 7% returns, retiring at 60 until 85, you need a substantial corpus to generate inflation-adjusted income.
Frequently Asked Questions
How much retirement corpus do I need? ▼
Use the 25-30x rule: multiply annual expenses by 25-30. If you spend ₹6 lakhs yearly, you need ₹1.5-1.8 crores. This provides inflation-adjusted income. The exact amount depends on inflation, returns, and life expectancy.
What inflation rate should I use? ▼
India's average inflation is 5-6%. Use 5-7% for long-term planning. Higher inflation requires larger corpus. Conservative estimates prevent shortfalls in retirement.
What return rate should I assume? ▼
Historical equity returns in India average 12-15%. Conservative approach: assume 7-9%. This accounts for market volatility and allocation to bonds in retirement.
How does inflation affect my retirement? ▼
Inflation erodes purchasing power. If you need ₹50,000/month today and inflation is 5%, you'll need ₹129,000/month in 20 years. Ignoring inflation leaves you short.
How can I increase my retirement corpus? ▼
Start early, save consistently, achieve higher returns. Even small contributions compound significantly over 30+ years. Use PPF, FDs, stocks, mutual funds based on your risk tolerance.