Retirement Planning Calculator
Calculate how much you need for retirement and how to get there. Plan your financial independence with inflation-adjusted projections.
Retirement Calculator
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Corpus at Retirement
₹8.56 Cr
Required Corpus
₹8.62 Cr
Shortfall
₹5.74 L
Action Required
Increase SIP by ₹162.647/month to meet your goal
Corpus Growth Projection
Year-by-Year Projection
Years to Retire
30 yrs
Return
12%
| Age | Corpus | Growth |
|---|---|---|
| Age 30 | ₹5.00 L | 0% |
| Age 35 | ₹25.31 L | 406% |
| Age 40 | ₹62.00 L | 1140% |
| Age 45 | ₹1.28 Cr | 2466% |
| Age 50 | ₹2.48 Cr | 4861% |
| Age 55 | ₹4.65 Cr | 9191% |
| Age 60 | ₹8.56 Cr | 17016% |
| Show all years... | ||
| At 60 | ₹8.56 Cr | - |
What This Means
You need ₹8.62 Cr at age 60. Invest ₹20,000/month SIP for 30 years.
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Retirement Calculator - Frequently Asked Questions
Q1.How much corpus do I need for retirement?
A general rule is to have 25-30 times your annual expenses as retirement corpus. For example, if your annual expenses are ₹10 lakhs, you need ₹2.5-3 crores. This assumes 4% withdrawal rate and accounts for inflation. Our calculator helps you determine the exact amount based on your lifestyle, age, and expected returns.
Q2.At what age should I start retirement planning?
Start as early as possible - ideally in your 20s or 30s. Starting at 25 vs 35 can make a difference of crores due to compounding. Even if you're in your 40s or 50s, it's not too late. The key is to start now and invest consistently. Earlier you start, smaller monthly investments needed to reach your goal.
Q3.What is the 4% withdrawal rule for retirement?
The 4% rule suggests withdrawing 4% of your retirement corpus annually, adjusted for inflation. For ₹1 crore corpus, withdraw ₹4 lakhs in year 1, then increase by inflation each year. This strategy aims to make your corpus last 30+ years. However, adjust based on your specific situation, returns, and life expectancy.
Q4.How to calculate retirement corpus with inflation?
Account for inflation to determine real purchasing power. If you need ₹50,000/month today and retire in 20 years at 6% inflation, you'll need ₹1.6 lakhs/month then. For 25 years post-retirement, you'll need approximately ₹6-7 crores. Our calculator does this automatically with inflation-adjusted projections.
Q5.What are the best investment options for retirement?
Diversify across: (1) Equity mutual funds for growth (12-15% returns), (2) PPF/EPF for safety (7-8%), (3) NPS for tax benefits (10-12%), (4) Fixed income for stability (6-8%). In your 20s-40s, keep 70-80% in equity. Gradually shift to debt as you near retirement. Maintain 40-50% equity even post-retirement for inflation protection.
⚠️ Important Disclaimer: InvestingPro is not a registered investment advisor or SEBI-registered entity. Content is for educational purposes only and should not be considered personalized financial advice. Please consult a licensed financial professional before making investment decisions. Read full disclaimer →