Retirement Planner
Plan your retirement with inflation-adjusted corpus calculation, investment strategy, and drawdown visualization.
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Retirement Details
Scenario Comparison
Monthly SIP required under different return assumptions
Start Retirement Planning Today
The best time to start retirement planning was yesterday. The second best time is now.
Retirement planning is not optional — it is essential. With rising life expectancy and inflation, relying solely on EPF and government schemes is rarely enough. Use the PPF calculator and NPS calculator to estimate your retirement savings from these instruments.
Retirement Corpus Required at Different Life Stages
| Current Age | Current Monthly Expense | Expense at 60 (6% inflation) | Corpus Needed | Monthly SIP Required |
|---|---|---|---|---|
| 25 | ₹30,000 | ₹3,44,610 | ₹10.2 Cr | ₹25,000 |
| 30 | ₹50,000 | ₹2,87,175 | ₹8.5 Cr | ₹28,000 |
| 35 | ₹75,000 | ₹2,15,381 | ₹6.4 Cr | ₹32,000 |
| 40 | ₹1,00,000 | ₹1,79,085 | ₹5.3 Cr | ₹45,000 |
| 45 | ₹1,50,000 | ₹1,61,176 | ₹4.8 Cr | ₹72,000 |
Assumes retirement at 60, life expectancy 85, 6% inflation, 12% pre-retirement return, and 7% post-retirement return. SIP amounts are monthly.
Retirement Planning Strategies by Age Group
20s — Start Early
You have 30+ years of compounding. Invest 50%+ in equity (NPS, mutual funds). Even ₹5,000/month now can grow to ₹2 Cr+ by retirement.
30s — Accelerate Savings
Increase SIP amount with every salary hike. Target 20-25% of income toward retirement. Add PPF and EPF for tax-free retirement base.
40s — De-risk Gradually
Shift allocation to 60% equity / 40% debt. Max out PPF, NPS. Reduce expenses and boost savings rate to 30%+ of income.
50s — Capital Preservation
Focus on debt and hybrid funds. Target 30% equity / 70% debt. Ensure 4-5 years of expenses in liquid instruments. Plan withdrawal strategy.
Recommended Retirement Investment Options
NPS (National Pension System)
Up to ₹50K additional deduction under 80CCD(1B). Lowest expense ratio. 60% lump sum withdrawal at retirement, 40% annuity.
EPF (Employee Provident Fund)
Tax-free retirement base. 12% employer contribution. Current rate ~8.15%. Safe and reliable for core retirement corpus.
Equity Mutual Funds (SIP)
Best for growth during accumulation phase. Target 12-15% returns over long term. Use SWP for regular income post-retirement.
SCSS (Senior Citizens Savings Scheme)
Best post-retirement income option. 8.2% rate (quarterly payout). ₹30 lakh max deposit. 5-year tenure, extendable by 3 years.
How Retirement Corpus Is Calculated
In plain words
Retirement planning calculates the corpus you need to accumulate by retirement age to sustain your lifestyle throughout retirement. It accounts for inflation increasing your expenses and investment returns growing your savings.
Corpus Needed = Annual Expense at Retirement × (1 - (1 + r)^-N) / r
Where:
r = Real Return (Post-retirement Return adjusted for Inflation)
N = Years in Retirement
Annual Expense at Retirement = Current Monthly Expense × 12 × (1 + Inflation)^Years to RetireA quick example
Let us calculate retirement needs for a typical professional:
Step by step
- 1.Years to retirement: 60 - 30 = 30 years
- 2.Years in retirement: 85 - 60 = 25 years
- 3.Monthly expense at retirement: ₹50,000 × (1.06)^30 = ₹2,87,175/month
- 4.Annual expense at retirement: ₹2,87,175 × 12 = ₹34,46,100
- 5.Corpus needed at 7% post-retirement return, 6% inflation: ~₹8.5 Cr
So the answer is: Corpus Needed: ₹8.5 Cr | Monthly SIP at 12% return: ₹25,000 | Existing savings reduce the gap