Retirement may feel far away. But the amount you will need is larger than most people think. If you spend Rs 50,000 per month today, you will need roughly Rs 1.3 lakh per month in 15 years. That is because of inflation.
Without a clear plan, you risk running out of money in your later years. The Retirement Calculator helps you see exactly how much your monthly savings will grow by the time you retire.
Most people think their provident fund or pension will be enough. For many, it will not be. Inflation eats into the value of money every year. Healthcare costs rise sharply after age 60. A retirement that lasts 25 to 30 years needs a large corpus.
The biggest advantage is time. Starting early makes a dramatic difference. You can explore our retirement plans to see what options are available.
Follow these four steps to project your future pension fund and determine your required monthly investment.
This is your starting point. It determines how many years of saving and growth you have before retirement.
Choose the age you plan to retire. Most people plan for 55 to 65.
Enter the amount you can save each month. Be realistic. Choose an amount you can sustain for years.
Equity mutual funds may deliver 10% to 12%. Balanced funds offer 8% to 10%. PPF or debt funds offer 6% to 8%. You can compare options on our investment plans page.
The calculator shows your estimated retirement corpus. Compare it against the 25x rule: multiply your expected annual expenses in retirement by 25.
If you expect your household expenses to be Rs 6 lakh per year at retirement, your recommended target corpus is roughly Rs 1.5 crore (Rs 6 Lakh × 25).
This rule ensures you can withdraw approximately 4% annually to cover living expenses without exhausting your principal capital throughout a 25 to 30 year retirement.
Professional retirement and wealth advisory across India
Our IRDAI licensed advisors have helped clients plan for retirement for over 5 years. We compare pension plans, ULIPs, NPS, and mutual funds to build a plan that works for you. We ensure your asset allocation evolves appropriately so you transition smoothly from accumulation to regular pension drawdowns.
Answers regarding retirement corpus targets, starting age, savings ratios, return expectations, and early retirement
Use the calculator above. Then speak with our advisors to build your plan. Call 90 90 92 15 15.
Disclaimer: Retirement corpus depends on actual returns, inflation, and lifestyle needs. This calculator provides estimates. Actual results may vary.