Retirement Calculators
Retirement calculators work in two directions: how big a corpus you need for the lifestyle you want, and what monthly income an existing corpus can support. Inflation is built in, because prices in 25 years will not look like today's.
Which calculator do you need?
| If you are asking… | Use this |
|---|---|
| How much should I invest each month? | Retirement Calculator |
| How large does my corpus need to be? | Retirement Corpus Calculator |
| What income can my corpus support? | Monthly Retirement Income Calculator |
| How long will my money last if I withdraw monthly? | SWP Calculator |
Why the corpus figure looks so alarming
Inflation, twice over. At 6% a year prices roughly double every twelve years, so a ₹50,000 monthly lifestyle costs close to ₹2.87 lakh a month by the time someone aged 30 reaches 60. That is not a forecast of luxury — it is the same life, priced later. Then inflation carries on through retirement itself, which is why the calculators here raise the withdrawal every year rather than holding it flat.
The corpus keeps working
A common mistake is to multiply future monthly expenses by the number of months in retirement. That badly overstates the requirement, because the money you have not yet spent continues to earn. These calculators use the real return — your return minus inflation — which is the correct way to value a rising stream of withdrawals.
Starting early beats earning more
Begin a thirty-year plan at 30 and the monthly figure is manageable. Begin the identical plan at 40 and it roughly doubles, for a corpus that is actually smaller, because you lose the decade in which compounding does its heaviest work. If you are starting late the honest levers are: retire later, spend less, or save considerably more.
Retirement — common questions
What inflation rate should I use?
Long-run Indian inflation has often been in the 5–7% range. Using a slightly higher number than you expect is the safer mistake.
What is a safe withdrawal rate?
Commonly discussed figures sit around 3–4% of the corpus per year, adjusted for inflation. It is a rule of thumb, not a guarantee.