Retirement planning calculator for India

For a retirement from 60 to 85, typically about 20 to 25 times your first year of spending in retirement, with that spending grown by inflation from today. For example, ₹50,000 a month today becomes about ₹2.15 lakh a month (₹25.8 lakh a year) in 25 years at 6% inflation, so a corpus of roughly ₹5.2 to 6.5 crore. Enter your own numbers above for an exact figure.

Take your monthly expenses today and grow them with inflation until your retirement age. Add up every year of spending from retirement to your plan age, still rising with inflation, and discount each year by the return the money earns until it is spent. That total is your corpus. Subtract what your current savings will grow to, and the rest is what your monthly investing must build.

Around 6% is a reasonable long-term assumption for general expenses in India. Medical costs usually rise faster than other prices (the full planner assumes 10% a year for them unless you change it), so make sure health insurance is in your expenses. If you are unsure, test 7% to see how much more you would need.

Plan until at least 85, and to 90 or beyond if you retire early or your family tends to live long. Running out of money at 80 is a much bigger problem than leaving some behind.

For most salaried people, EPF alone is not enough, because contributions are linked to basic pay and the money must last 25 years or more after retirement. Add your EPF balance to "already invested" and your monthly EPF contribution to "you invest each month" to see how far it gets you. You can withdraw all of it on retirement after 55.

Since December 2025, if you are in NPS through the All-Citizen or corporate model you can take up to 80% as a lump sum at normal exit and must use at least 20% to buy an annuity. Government employees can take up to 60% and must use at least 40%. Balances up to ₹8 lakh can be taken in full, and you can stay invested and defer until 85. Annuity income is taxed as income and usually does not rise with inflation, so treat it as a fixed pension. Check the current rules on pfrda.org.in.

A step-up SIP increases your monthly investment every year, usually in line with salary hikes. Raising your SIP by 5 to 10% a year can cut the starting amount you need by a large margin, because later, larger contributions do much of the work.

Two common reasons. Many SIP calculators treat 12% a year as 1% a month, which compounds to about 12.7% a year: over 20 years, ₹10,000 a month then shows about ₹99.9 lakh instead of ₹92 lakh. We compound the yearly return you enter exactly. Many FIRE calculators also use a fixed 25 times expenses; we size the corpus so it lasts until your plan age at your returns, which is usually more for an Indian early retirement.

No. The calculator runs in your browser and your numbers are not sent to any server. The inputs appear in the page address only so you can bookmark or share a result yourself.