Retirement planner
Retirement is the only goal you cannot borrow for. It is also the one where inflation does the most damage, because it keeps working for twenty or thirty years after your income has stopped.
Plan long. Running out at 82 because you assumed 80 is not a recoverable mistake.
What you would need each month if you retired tomorrow, in today's prices.
EPF, PPF, NPS and any investments earmarked for retirement.
Usually lower — most people shift towards debt once the income stops.
Corpus you need at retirement
₹5,19,11,228
About 5.19 crore rupees, to fund 25 years
Monthly need at 60
₹2,14,594
₹50,000 today, inflated 25 yrs
What you have will grow to
₹1,70,00,064
Start investing every month
₹18,397
For the next 25 years, to close a ₹3,49,11,163 gap
This assumes the amount stays flat. If you increase it each year with your salary you can start lower — the step-up calculator shows by how much.
Path to retirement
Why the corpus looks so large
What this does differently
- Your withdrawal is inflated every year of retirement, and the corpus is discounted at the real post-retirement rate. Many calculators discount at the nominal rate, which quotes a far smaller corpus and is the most common reason retirement plans fall short.
- EPF, PPF and NPS balances should go in the “already saved” field. They are assumed to grow at the pre-retirement rate, which is generous for EPF and PPF — you may want to run it again with a lower rate.
- No pension, rental income or property sale is modelled. If you expect any of those, your requirement is lower than shown.
- Medical costs in later life inflate faster than general prices and are not separated out here.
Important — This calculator is an illustration based on the assumptions you enter. It is not a projection or guarantee of returns, and it does not account for exit loads, stamp duty or the taxes payable on redemption. Actual returns will differ. Please consult us before acting on any figure shown here.
Want this turned into an actual plan?
A calculator gives you a number. Choosing the schemes, the split between equity and debt, and the order you fund your goals in is the part that needs a conversation. Leave your number and we will call you — there is no charge for the discussion, and no obligation to invest.
We use your details only to contact you about this enquiry. We do not sell or share them.