Retirement Calculator India - Smart Planning for 2025 & Beyond

As a thumb rule, save 15-20% of your income for retirement. If you start early (20s), 10-15% may suffice. The exact amount depends on your current expenses, lifestyle goals, and expected retirement age. Use our retirement calculator to get personalized recommendations based on your specific situation.

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. Using the 4% withdrawal rule, this corpus can provide sustainable income throughout retirement while preserving capital.

Inflation significantly reduces purchasing power over time. At 6% inflation, prices double every 12 years. What costs ₹1,000 today will cost ₹3,207 after 20 years. Our calculator factors inflation to show the real purchasing power of your retirement corpus and adjusts future expenses accordingly.

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. The power of compounding works best over longer periods, making early retirement planning crucial for financial security.

Best options include EPF (8-9% returns, tax-free), PPF (7-8% returns, 15-year lock-in), NPS (10-12% expected returns with tax benefits), equity mutual funds (12-15% potential returns), and ELSS funds. Diversify across these instruments based on your risk tolerance and age.

Our retirement calculator uses compound interest formulas to project your corpus growth. It considers your current age, retirement age, monthly savings, expected returns, inflation rate, and current expenses to calculate the required corpus and monthly income possible at retirement. It also provides gap analysis and recommendations.

Start with whatever you can afford and increase gradually. Even ₹1,000 monthly is better than nothing. Increase contributions with salary hikes, bonuses, and as expenses reduce over time. The key is to start early and remain consistent, adjusting the amount as your financial situation improves.

Review annually or when major life events occur (marriage, children, job change, salary hike). Adjust contributions, asset allocation, and goals based on changing circumstances. Regular reviews ensure your retirement plan stays aligned with your evolving financial situation and goals.

No, these are projections based on assumed returns and inflation rates. Actual results may vary due to market conditions, economic changes, and personal circumstances. Use this as a planning tool and consult a financial advisor for detailed advice. Regular monitoring and adjustments are essential.

The 4% rule suggests withdrawing 4% of your retirement corpus annually to ensure it lasts throughout retirement. This means you need 25 times your annual expenses as retirement corpus. However, consider inflation, healthcare costs, and life expectancy when applying this rule in the Indian context.