Calculate Retirement Corpus & Monthly Savings
✓ Corpus Calculation - Know exact amount needed for comfortable retirement
✓ Inflation Adjusted - Future expenses calculated with inflation impact
✓ Monthly Savings - Calculate how much to save each month
✓ Worry-Free Future - Start early, retire stress-free!
30 years to retirement
20 years of retirement life
To retire comfortably at age 60
A Retirement Calculator helps you determine the exact corpus needed for a comfortable retirement and how much to save monthly. It factors in inflation, life expectancy, current expenses, and investment returns to give you a realistic retirement plan.
Our calculator shows inflation-adjusted expenses at retirement, calculates corpus using present value principles, accounts for post-retirement returns, and provides year-by-year breakdown showing when your money runs out if under-saved.
Assumptions: Retirement at 60, life expectancy 80 (20 years), 6% inflation, 8% post-retirement returns
| Current Age | ₹25K/month | ₹50K/month | ₹75K/month | ₹1L/month |
|---|---|---|---|---|
| 25 (35Y to retirement) | ₹5.18 Cr | ₹10.36 Cr | ₹15.54 Cr | ₹20.72 Cr |
| 30 (30Y to retirement) | ₹4.30 Cr | ₹8.60 Cr | ₹12.90 Cr | ₹17.20 Cr |
| 35 (25Y to retirement) | ₹3.57 Cr | ₹7.14 Cr | ₹10.71 Cr | ₹14.28 Cr |
| 40 (20Y to retirement) | ₹2.96 Cr | ₹5.92 Cr | ₹8.88 Cr | ₹11.84 Cr |
| 45 (15Y to retirement) | ₹2.46 Cr | ₹4.92 Cr | ₹7.38 Cr | ₹9.84 Cr |
💡 Key Insight: Younger you are, MORE corpus needed due to longer inflation accumulation. But you have MORE time to build it with compounding!
Assumptions: Target ₹5 Cr at retirement age 60, 12% pre-retirement returns, no existing savings
🔥 Start Early Advantage: Starting at 25 vs 40 saves you ₹39,500/month (84% less) for same ₹5 Cr corpus. Time is your biggest asset!
Pros:
Cons:
Corpus for ₹50K/month expenses:
₹12+ Crore
Pros:
Cons:
Corpus for ₹50K/month expenses:
₹10 Crore
Pros:
Cons:
Corpus for ₹50K/month expenses:
₹8.6 Crore
✓ Sweet Spot
Pros:
Cons:
Corpus for ₹50K/month expenses:
₹7.2 Crore
⚠️ Too late
Age 25-35
Equity: 70-80%
Debt: 15-25%
Gold: 5-10%
Target: 12-15% returns
Age 35-45
Equity: 60-70%
Debt: 25-35%
Gold: 5-10%
Target: 11-13% returns
Age 45-55
Equity: 50-60%
Debt: 35-45%
Gold: 5-10%
Target: 10-12% returns
Age 55-60
Equity: 30-40%
Debt: 50-60%
Gold: 10%
Target: 8-10% returns
Best for: 10-15% of portfolio
Best for: 20-30% of portfolio
Best for: 50-70% of portfolio
Retirement corpus depends on your monthly expenses and retirement lifestyle. Rule of Thumb: 25-30 times your annual expenses at retirement. Example Calculation: Current monthly expenses: ₹50,000 (₹6L yearly). Retirement at 60, live till 80 (20 years). Inflation 6% for 30 years to retirement. Monthly expenses at 60 = ₹50K × (1.06)^30 = ₹2.87L. Annual expenses = ₹34.4L. Retirement corpus needed = ₹34.4L × 25 = ₹8.6 Crore! Corpus by Monthly Expense (30 years to retirement, 6% inflation, 20Y retirement): ₹25K/month today → ₹4.3 Cr corpus. ₹50K/month today → ₹8.6 Cr corpus. ₹75K/month today → ₹12.9 Cr corpus. ₹1L/month today → ₹17.2 Cr corpus. Factors Affecting Corpus: Time to retirement (more time = larger corpus due to inflation). Lifestyle (simple vs luxury retirement). Healthcare costs (₹10-20L buffer minimum). Inflation rate (6-7% India average). Life expectancy (plan for 80-85 years). Why Such Large Amount? Inflation erosion - ₹50K today = ₹2.87L in 30 years! No regular income after retirement. Healthcare costs increase with age. Corpus should generate returns to sustain withdrawals.
Monthly savings depend on current age, retirement age, and target corpus. General Guidelines by Age: Age 25: Save 10-15% of income. Starting early = power of compounding! Age 30: Save 15-20% of income. Still good time to build corpus. Age 35: Save 20-25% of income. Less time, need more aggressive saving. Age 40: Save 25-30% of income. Halfway to retirement, ramp up! Age 45+: Save 30-40% of income. Last push before retirement! Real Examples - Target ₹5 Cr Corpus at 60 (12% return): Age 25 (35 years): Save ₹6,500/month = ₹27L investment → ₹5 Cr. Age 30 (30 years): Save ₹12,000/month = ₹43L investment → ₹5 Cr. Age 35 (25 years): Save ₹23,000/month = ₹69L investment → ₹5 Cr. Age 40 (20 years): Save ₹46,000/month = ₹1.1 Cr investment → ₹5 Cr. Age 45 (15 years): Save ₹1,10,000/month = ₹2 Cr investment → ₹5 Cr. Key Insight: Starting 10 years early saves 50-60% in monthly contributions! Step-Up Strategy (Better Approach): Start with 15% of salary. Increase SIP by 10% every year (match salary hikes). Example: Salary ₹50K, save ₹7,500/month initially. Year 2: ₹8,250, Year 3: ₹9,075, Year 4: ₹9,982... By age 60, you have built massive corpus with gradual increases!
Ideal retirement age depends on financial readiness, health, and goals. Age Comparison: Age 50 (Early Retirement): Pros: 30+ years to enjoy life, pursue passions, travel while fit. Cons: Need HUGE corpus (40 years expenses!), Less time to build wealth, Health insurance expensive. Corpus: 1.5-2X more than age 60 retirement. Best for: Entrepreneurs, high earners, inherited wealth. Age 55 (Moderately Early): Pros: 25-30 years retirement life, Good balance of work & freedom. Cons: Still need very large corpus, Pre-retirement income stops. Corpus: 1.3X more than age 60 retirement. Best for: Senior professionals, good savings discipline. Age 60 (Standard Retirement): Pros: More time to build corpus, Comfortable savings needed, Industry standard. Cons: Less retirement life (20-25 years), May have health issues. Corpus: Baseline amount needed. Best for: Most salaried employees, balanced approach. Age 65+ (Late Retirement): Pros: Maximum corpus building time, Pension benefits mature, Lower corpus needed. Cons: Very short retirement (15-20 years), Health may not permit enjoyment, Miss prime years. Corpus: Least amount needed but risky. Best for: Late starters, business owners. Real Data - Corpus Needed (₹50K monthly expenses today): Age 50 retirement: ₹12 Cr (40 years coverage). Age 55 retirement: ₹10 Cr (35 years coverage). Age 60 retirement: ₹8.6 Cr (30 years coverage). Age 65 retirement: ₹7.2 Cr (25 years coverage). India Reality: Most retire at 60 (corporate policy). Government employees at 60-62. Private sector: 58-60. FIRE movement: 40-50 (Financial Independence Retire Early). Recommendation: Target 55-60 (sweet spot). Gives 20-30 years post-retirement. Enough time to build ₹5-10 Cr corpus. Enjoy while relatively healthy. Financial independence achieved.
Best retirement strategy: Diversify across all three! Complete Comparison: PPF (Public Provident Fund): Returns: 7.1% (tax-free). Lock-in: 15 years. Tax: EEE status (fully tax-free). Contribution: Max ₹1.5L/year (₹12,500/month). Best for: Conservative investors, guaranteed returns, tax saving (80C). Corpus: ₹1.5L yearly for 30Y = ₹1.14 Cr (all tax-free!). NPS (National Pension Scheme): Returns: 9-12% (market-linked, 50-75% equity). Lock-in: Till 60 years. Tax: 80C + 80CCD(1B) = ₹2L deduction, 60% withdrawal tax-free. Contribution: No limit (but tax benefit up to ₹2L). Best for: Tax savings + market returns, forced retirement discipline. Corpus: ₹2L yearly for 30Y at 10% = ₹3.8 Cr (₹2.28 Cr tax-free). Mutual Funds (Equity): Returns: 12-15% (long-term). Lock-in: None (flexible). Tax: 12.5% LTCG above ₹1.25L. Contribution: No limit. Best for: Highest returns, flexibility, wealth building. Corpus: ₹25K monthly for 30Y at 12% = ₹8.8 Cr. Recommended Allocation by Age: Age 25-35: 70% Equity MF + 20% NPS + 10% PPF = Aggressive growth. Age 35-45: 60% Equity MF + 25% NPS + 15% PPF = Balanced growth. Age 45-55: 50% Equity MF + 30% NPS + 20% PPF = Moderate risk. Age 55-60: 30% Equity MF + 30% NPS + 40% Debt/PPF = Capital protection. Sample Portfolio (₹25K monthly, 30 years): PPF: ₹3,750/month (15%) → ₹43L tax-free. NPS: ₹6,250/month (25%) → ₹70L + tax benefits. Equity MF: ₹15,000/month (60%) → ₹5.3 Cr. Total Corpus: ₹6.43 Cr at retirement! Why Diversify? PPF: Safety net, tax-free, guaranteed returns. NPS: Tax benefits, decent returns, mandatory pension. Mutual Funds: Wealth creator, highest returns, flexibility. Don't put all eggs in one basket - mix all three for best results!
Inflation is the BIGGEST risk to retirement - erodes purchasing power drastically. Inflation Impact Examples: ₹50K monthly expenses today: In 10 years at 6% inflation: ₹89,542. In 20 years: ₹1,60,357. In 30 years: ₹2,87,175. In 40 years: ₹5,14,287 (10X more!). Real-Life Example: Retired in 2000 with ₹20K/month expenses → ₹1.5 Cr corpus seemed huge. 2024: Needs ₹80K/month (4X increase). Original corpus insufficient - many retirees struggle! India Inflation Reality: Average inflation: 6-7% (historical). Healthcare inflation: 10-12% (higher!). Education (if supporting kids): 8-10%. Rent: 5-8% in cities. How to Beat Inflation in Retirement: Don't hold 100% cash/FD: Cash loses 6-7% value yearly (inflation tax). FD gives 6-7% but taxable → Real return negative! Keep 60-70% in equity even after retirement: Equity returns 10-15% >> inflation 6-7%. SWP (Systematic Withdrawal) from equity funds. Withdrawal 5-6% yearly, corpus keeps growing 4-5%. Increase withdrawals 5-6% yearly: Match expenses with inflation. Start ₹1L/month, next year ₹1.06L, then ₹1.12L... Plan for higher inflation: Use 7-8% inflation in calculations (conservative). Better to have excess than shortfall. Real Estate rental income: Rent increases with inflation (natural hedge). ₹10L property → ₹5K rent today → ₹20K in 20Y. Inflation-Protected Corpus Calculation: Don't use fixed corpus - it will deplete! Use "real returns" concept. Post-retirement return (8%) - Inflation (6%) = 2% real return. Withdraw only 2-3% in real terms, rest reinvested. Example: ₹5 Cr corpus at 8% return. Year 1: Withdraw ₹40L (8% of ₹5 Cr). Year 2: Withdraw ₹42.4L (6% higher due to inflation). Corpus still grows because 8% earning > 6% inflation + withdrawal. Golden Rule: Your retirement corpus must GROW during retirement to maintain lifestyle. Don't just withdraw - let it compound above inflation!
10 Biggest Retirement Mistakes Indians Make: 1. Starting Too Late (BIGGEST Mistake): Age 25 vs 40: Same corpus needs 5X more monthly savings! Compounding needs TIME - can't catch up later. Solution: Start retirement SIP from first salary. 2. Underestimating Corpus Needed: Many assume ₹1-2 Cr enough - NOT TRUE! Inflation makes ₹50K become ₹2.87L in 30 years. Solution: Use calculator, plan for 25-30X annual expenses. 3. Ignoring Healthcare Costs: Healthcare inflation 10-12% (higher than regular). Age 60-80: Medical expenses highest. No company insurance after retirement. Solution: Add ₹20-30L healthcare buffer + buy health insurance early. 4. Depending Only on PPF/FDs: 7% returns don't beat inflation + tax. ₹1 Cr PPF gives ₹7L/year (₹58K/month) - insufficient! Solution: 60% equity mutual funds for real wealth creation. 5. Not Increasing SIP with Salary: Fixed ₹10K SIP for 30 years = Good corpus. 10% yearly increase in SIP = 2-3X MORE corpus! Solution: Auto step-up SIP by 10% every year. 6. Withdrawing Retirement Savings Early: 30-year-old withdraws ₹5L from PF - loses ₹50L+ at retirement! Breaks compounding magic. Solution: NEVER touch retirement corpus before 60. 7. No Diversification: 100% in one asset (real estate, gold, FD) - risky! Need mix of equity, debt, gold, real estate. Solution: 60% equity, 30% debt, 10% gold/other. 8. Ignoring Spouse's Retirement: Plan only for self, forget spouse needs separate corpus. Wife lives 3-5 years more (statistics) - needs more money. Solution: Build corpus for BOTH - 1.5-1.8X if married. 9. Expecting Children to Support: Modern reality: Kids have own expenses (EMIs, kids' education). NRIs may not return - can't depend on them. Solution: Be self-sufficient, kids' support is bonus. 10. No Written Financial Plan: Ad-hoc investments, no clear goal. Don't know if on track or not. Solution: Use retirement calculator, review yearly, adjust course. Success Mantra: Start at 25, save 20% salary, step-up yearly, 60% equity MF + 40% debt/PPF = ₹5-10 Cr corpus by 60. Live stress-free retirement!