Retirement Planner
Don't guess your number. Calculate the exact corpus needed.
Retirement planning is not just about saving money; it is about racing against inflation. A corpus of ₹1 Crore might look huge today, but in 20 years, it will have the purchasing power of just ₹30 Lakhs. This calculator helps you find your "Magic Number"—the exact amount you need to maintain your current lifestyle after you stop working.
Your Profile
ℹ️ How much do you need per month today?
Your Savings
The "Magic Number"
₹0.00 Cr
Required to sustain your lifestyle for 25 years after retirement.
Adjust Assumptions
ℹ️ Avg price rise (6% is standard).
ℹ️ Returns before retirement (12% for Equity).
Analysis
To live a lifestyle that costs ₹50,000 today, you will need ₹0.00 Crores when you retire.
Inflation reduces the value of money. We adjusted your goal for 6% annual inflation.
📉 The "Inflation" Trap: Why You Need More Than You Think
The biggest enemy of a retiree is not market volatility, but inflation. In India, lifestyle inflation (healthcare, travel, household help) often grows faster than the standard CPI inflation.
Monthly Expenses Today
₹50,000
Same Lifestyle in 20 Years
₹1.6 Lakhs
*Assuming 6% Inflation
If you plan your retirement based on today's costs, you will run out of money halfway through your retirement. This tool automatically adjusts for this gap.
How We Calculate Your Corpus
We don't use simple multiplication. We use a Time Value of Money approach that factors in three distinct phases of your life:
Accumulation Phase (Now to Age 60)
We calculate how much your current investments (EPF, PPF, SIPs) will grow by the time you retire, assuming a healthy equity-linked return (e.g., 12%).
Inflation Adjustment
We inflate your current monthly expenses by 6% annually to find out exactly how much you will need in your first month of retirement.
Distribution Phase (Age 60 to 85+)
Once retired, your money moves to safer assets (debt/FDs) earning lower returns (e.g., 7-8%). We ensure your corpus generates enough interest (and slight capital withdrawal) to sustain you till age 85 or 90.
3 Retirement Mistakes to Avoid
1. Relying Only on EPF
Employee Provident Fund is great, but usually insufficient. It covers basic needs, not lifestyle inflation.
2. Ignoring Medical Inflation
Healthcare costs rise at 10-14% annually. You need a separate health corpus or insurance beyond age 60.
3. Investing Too Conservatively
Investing 100% in FDs at age 40 is risky. You need equity exposure to beat inflation over the long term.
Short on your Corpus?
The easiest way to bridge the gap is to increase your monthly investment today.
Use the SIP Calculator →Frequently Asked Questions
How much corpus is needed for retirement?▼
A common guideline is accumulating 25–30 times your expected annual expenses at retirement, depending on lifestyle and inflation assumptions.
Is NPS sufficient for retirement?▼
NPS is a useful retirement product with tax benefits but is best used as part of a diversified retirement strategy.