India-focused

Retirement Corpus Calculator

Estimate your retirement corpus with Indian assumptions. Keep it simple, or add details when you’re ready.

Open Calculator View Methodology

Calculator

How long your money needs to last. Quick set:
Sum NPS/EPF/PPF, equity/debt funds, gold/bonds saved for retirement. Exclude emergency & other goals.
Continues until retirement age.
Pension, rent, annuity etc. during retirement. Reduces withdrawals from your corpus.
Use what you expect to keep after taxes & fees. If unsure, 0.06–0.08 (6–8%).
Used where item-level growth isn’t specified.
Adds a cushion for surprises (medical, repairs). If unsure, keep 0.15 (15%).
Only needed if your return above is before fees. Otherwise leave 0.
Illustrative −2% real for first 10 years after retirement age.

Regular expenses

Tip: Start age = when this expense begins. Tenure = years it runs. For lifetime items, set Tenure ≈ Life expectancy − Start age.

Category Amount today (₹/yr) Growth / yr Tenure (yrs) Start age Action
Household & utilities 360000 0.06 45 40
Groceries & essentials 240000 0.06 45 40
Healthcare & insurance 150000 0.10 45 40
Transport 120000 0.05 45 40
Discretionary 180000 0.07 20 55

Planned / one-time events

Events at specific ages (education, renovation). Amounts inflate from today by the item’s inflation.

Event Event age Amount today (₹) Inflation Action
Child higher education 50 1000000 0.06
Home renovation 60 800000 0.05

Key metrics

Balanced
Enter or adjust the inputs to see your plan.
Corpus at retirement
—
Projected corpus at age 55.
Year-1 retirement spend
—
Need in first year (incl. safety margin, less income).
Withdrawal rate (Year-1 / corpus)
—
Lower is safer: ≤4–5% conservative; 5–6% reasonable; >6% aggressive.
Surplus / shortfall at age 85
—
Projected amount left (or lacking) at life expectancy.
Extra needed today (if any)
—
Lump sum to add now to avoid shortfall.
What this means
—
Plain-English one-liner.
Compare: 40× rule (US context)
Annual spend today
—
From your current expense items.
Rule-of-thumb corpus (40×)
—
US-derived proxy; India assumptions differ.

The 4%/40× rule was built for US data (lower inflation, ~30-year horizon, pre-tax). Your number above uses India-specific, year-by-year modeling with buffers.

Projection & audit

Ending corpus is targeted near ₹0 at age 85. Click a row to audit that year.

Age Regular (₹) Planned (₹) Total (₹) + Buffer (₹) Start corpus (₹) Return (₹) End corpus (₹)

Methodology & assumptions

We project cash flows year-by-year with line-item expenses (using each item’s growth), planned events (inflated from today), a safety margin on total spend, and your expected net annual return (after tax & fees). We deduct any retirement income and carry the corpus forward. Optional stress test: −2% real for first 10 years post-retirement.