Retirement Calculator
Plan how much corpus you need for a comfortable retirement
30 Years
1860
60 Years
4570
₹50,000
₹10K₹5L
6%
3%12%
10%
4%18%
80 Years
65100
₹0
₹0₹5Cr
Corpus Required
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Monthly SIP Needed
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Monthly Expense at Retirement
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Years to Retire
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How to Plan for Retirement in India
Retirement planning in India requires accounting for inflation (historically 6–7%), longer lifespans, and the absence of social security like in Western countries. Starting early makes a massive difference due to compounding — saving ₹5,000/month at 30 vs ₹15,000/month at 45 can yield the same corpus.
Retirement Investment Options in India
Popular options include NPS (National Pension Scheme) with tax benefits under 80CCD, EPF/PPF for guaranteed debt returns, equity mutual funds via SIP for long-term wealth creation, and real estate. A diversified mix is ideal.
Frequently Asked Questions
How much retirement corpus is enough?▾
A common rule is the 25x rule — save 25 times your annual expenses. If you spend ₹6L/year, aim for ₹1.5Cr. However, in India with higher inflation and healthcare costs, a 30–33x multiplier is safer.
What is NPS and should I invest in it?▾
NPS (National Pension System) is a government-regulated retirement scheme offering tax deductions under Section 80C and an additional ₹50,000 under 80CCD(1B). It's a good addition to your retirement portfolio, especially for the tax benefits.
When should I start saving for retirement?▾
The earlier the better. Starting at 25 vs 35 with the same monthly investment can result in 2–3x more corpus by retirement age due to compounding. Even small amounts matter when started young.