Finance
Retirement Calculator
Plan your retirement corpus and monthly pension amount.
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Retirement Calculator
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About Retirement Calculator
Planning for retirement is one of the most important financial decisions you'll make. Our retirement calculator helps you estimate the corpus you'll accumulate and the monthly income it can generate.
Frequently Asked Questions
A common rule is to aim for 25× your annual expenses (the 4% withdrawal rule). If you spend ₹6 lakh/year, you need ₹1.5 crore. Use our calculator for a personalized estimate based on your age, income, and goals.
The 4% rule suggests you can withdraw 4% of your retirement corpus annually without running out of money over 30 years. Based on historical market returns, a 4% withdrawal rate has been sustainable across most market conditions.
Inflation erodes purchasing power. ₹1 lakh today will buy less in 20 years. At 6% inflation, costs double every 12 years. Your retirement corpus must generate returns exceeding inflation to maintain purchasing power.
Pre-tax accounts (like NPS in India, 401k in US) reduce taxable income now but are taxed on withdrawal. Post-tax accounts (like Roth IRA) use after-tax money but grow and withdraw tax-free. The best choice depends on your tax bracket now vs. in retirement.
Start as early as possible to maximize compounding. Starting at 25 vs. 35 can more than double your corpus. Even small amounts invested early grow substantially. Time in the market is more valuable than timing the market.
It's the percentage of your retirement savings you withdraw each year. A 4% rate on ₹2 crore gives ₹8 lakh/year. Too high a rate risks depleting savings before death; too low means leaving money unused. Adjust based on health, spending needs, and expected returns.
Yes, account for all income sources: EPF/NPS maturity value, pension income, rental income, and other assets. These reduce the corpus you need to accumulate independently. Our calculator helps you input all these factors.
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