How this calculation works
This calculator uses: Corpus Needed = Annual Retirement Expenses × 25 (4% Withdrawal Rule). Enter your values above to get an immediate result. Results are rounded for readability.
Using the retirement calculator
Start by entering values in the units shown. The result updates immediately, and the shareable link preserves your inputs without creating a separate indexable page. Use this as a clear estimate and check important assumptions before relying on it.
Common questions
How much corpus do I need to retire in India?
Use the 25× Rule: multiply your annual expenses at retirement (inflation-adjusted) by 25. For example, if your monthly expenses at retirement will be ₹1 lakh, you need ₹1.2L × 12 × 25 = ₹3.6 crore corpus. This is based on the 4% safe withdrawal rate.
What is the 4% withdrawal rule?
The 4% rule states you can safely withdraw 4% of your retirement corpus annually without depleting it for at least 30 years. Based on historical data across global markets, this rate balances income needs with corpus preservation.
When should I start saving for retirement?
The earlier the better due to compounding. Starting at 25 vs 35 makes a massive difference. If you invest ₹5,000/month at 10% from age 25, you'll have ₹3.2 crore by 60. Starting at 35 gives only ₹1.1 crore — 3x less for starting just 10 years later.
What is a good monthly savings rate for retirement?
Financial experts recommend saving at least 15-20% of your gross income for retirement. This includes EPF (mandatory), PPF, NPS, and mutual fund SIPs. The earlier you start, the lower the percentage needed to reach your goal.