Retirement Calculator

Retirement planning — concepts

The 25× rule: If you expect to withdraw about 4% of your corpus in the first year of retirement, needing roughly 25× your first year’s annual expenses is a quick cross-check. Real life adds taxes, medical shocks, and return variability — use it as a conversation starter, not a guarantee.

Why many Indians underestimate needs: Longevity is rising, medical inflation often runs ahead of CPI, and lifestyle costs do not always shrink after work. Building a buffer beyond the minimum spreadsheet number reduces the risk of outliving assets.

Inflation compounds on expenses: Even 6% inflation doubles costs in ~12 years. That is why “₹50,000/month today” becomes a much larger number at age 60 — the calculator shows that explicitly in the table.

Start early: Pre-retirement returns apply to both your existing corpus and a disciplined SIP. More years mean more compounding cycles before you switch to a typically lower post-retirement allocation (this tool lets you set both return levels separately).

Balance today vs tomorrow: Not every rupee must go to retirement — but knowing the SIP required helps you decide what is sustainable after non-negotiable goals and emergency funds.

Math note: Corpus here is the present value at retirement of annual expenses that grow with inflation, discounted at your post-retirement return — a standard inflation-indexed annuity model. Actual sequencing risk, fees, and taxes are not modeled.