Retirement Calculator India 2025
Plan your retirement with our comprehensive calculator. Calculate your retirement corpus, monthly savings needed, and visualize your financial future.
Current exchange rate: 1 USD = 87 INR
Your Details
Your Retirement Plan
Retirement Corpus Required
Monthly Investment Needed
Future Monthly Expenses
Years to Retirement
Purchasing Power Information
At the retirement age of 60, your retirement corpus will be ₹4.25 Cr.
This amount is equivalent to ₹1.01 Cr in today's purchasing power, accounting for inflation.
Year-by-Year Growth
| Year | Age | Starting Balance | Annual Contribution | Interest Earned | Ending Balance |
|---|
Scenario Comparison
8% Return
Monthly: ₹15,200
10% Return
Monthly: ₹12,500
12% Return
Monthly: ₹10,100
Understanding Scenario Comparison
This section shows how different investment returns affect your retirement planning:
Higher returns mean you need to save less each month, but they typically come with higher risk.
Lower returns are generally safer but require higher monthly savings to reach your goal.
Your actual returns will likely vary, so it's wise to plan for different scenarios.
Gap Analysis
Current Savings Projection
Shortfall: ₹83 L
Understanding Gap Analysis
This shows the difference between what you'll have (based on current savings) and what you'll need for retirement.
If you have a shortfall, you need to either:
- Increase your monthly savings
- Work longer before retiring
- Adjust your retirement lifestyle expectations
- Seek higher investment returns (with appropriate risk)
If you have a surplus, you're on track for a comfortable retirement!
Portfolio Recommendations
- Pre-retirement: 60% Equity, 30% Debt, 10% Others
- Post-retirement: 40% Equity, 50% Debt, 10% Others
- Consider increasing monthly savings by 10% annually
- Review portfolio allocation every 2 years
Frequently Asked Questions
Our retirement calculator uses your current financial information, expected inflation rate, and investment returns to project how much you'll need to save for retirement. It calculates your required retirement corpus based on your expected expenses at retirement age and estimates how much you need to save monthly to reach that goal.
The 4% rule is a common retirement planning guideline that suggests you can withdraw 4% of your retirement savings annually without running out of money. This calculator uses this rule to determine how large your retirement corpus needs to be to support your desired lifestyle in retirement.
Yes, it's crucial to account for inflation in retirement planning. Our calculator automatically factors in your expected inflation rate to show you how much your expenses will increase by the time you retire, and how much purchasing power your retirement savings will have.
It's recommended to review your retirement plan at least annually, or whenever you experience significant life changes such as marriage, having children, changing jobs, or receiving an inheritance. Regular reviews help ensure your plan stays on track with your goals.
Disclaimer
This retirement calculator provides estimates based on the information you provide and certain assumptions about investment returns and inflation. These calculations are for educational purposes only and should not be considered financial advice. Actual results may vary based on market performance, changes in your financial situation, and other factors. We recommend consulting with a qualified financial advisor before making any investment decisions.