Retirement Calculator

The retirement corpus you need depends on several factors: your current age, retirement age, expected monthly expenses, inflation rate, and expected returns. Our calculator helps you determine this by accounting for inflation-adjusted expenses and calculating the corpus needed to sustain your lifestyle throughout retirement. Generally, you'll need 25-30 times your annual expenses at retirement age.

For long-term retirement planning in India, a 6-7% inflation rate is commonly used. This accounts for historical inflation trends. However, you can adjust this based on your personal expectations. Higher inflation means you'll need a larger corpus, so it's better to be slightly conservative in your estimates.

During the accumulation phase (before retirement), you can typically expect 10-12% annual returns from equity-oriented mutual funds over the long term. This is based on historical performance, though past performance doesn't guarantee future results. For a more conservative estimate, you might use 10%, while 12% is reasonable for equity-heavy portfolios.

During retirement, your portfolio should be more conservative to protect your capital. A balanced portfolio with debt and equity might yield 7-8% annually. This lower return accounts for the shift to more stable investments to ensure your corpus lasts throughout retirement.

If there's a shortfall between your existing savings and required corpus, you need to invest the difference through systematic investments. Our calculator shows you the exact monthly SIP amount needed. Start investing this amount in equity-oriented mutual funds for long-term growth, and review your progress annually.

The earlier you start, the better. Starting in your 30s or 40s allows you to benefit from compounding and requires smaller monthly SIPs. However, it's never too late to start. Even if you begin in your 50s, systematic investing can still help you build a meaningful retirement corpus.

Yes, include all your retirement-oriented savings including EPF, PPF, NPS, and other long-term investments. However, be realistic about their expected returns. EPF typically gives 8-9% returns, while PPF gives around 7-8%. Our calculator helps you see how these contribute to your overall retirement corpus.

If you have a shortfall, don't panic. Start by investing the calculated monthly SIP amount in equity mutual funds. Consider increasing your SIP annually as your income grows. You might also need to adjust your retirement age or expected lifestyle expenses. Regular reviews and adjustments will help you stay on track.

Yes, Systematic Withdrawal Plan (SWP) is an excellent way to generate regular monthly income during retirement. You can withdraw a fixed amount monthly from your mutual fund corpus, similar to a pension. This is tax-efficient and allows your remaining corpus to continue growing. Our SWP calculator can help you plan this.