Retirement Calculator

Plan your retirement savings, estimate your retirement corpus, and track your progress towards financial independence

Retirement Planning Calculator

Basic Calculator
Detailed Planning
FIRE Movement
Pension Planning
Withdrawal Strategy
Scenario Comparison
Current Age 30
Retirement Age 60
Current Savings (₹) 5,00,000
Monthly Contribution (₹) 20,000
Expected Annual Return (%) 8.0
Expected Inflation (%) 4.0
Life Expectancy 85
Monthly Expenses (₹) 50,000
You will retire in 30 years at age 60
Current Age: 30 Retirement Age: 60
Retirement Corpus
₹3.2 Cr
Total Contributions
₹72 L
Investment Growth
₹2.48 Cr
Years of Savings
30
Monthly Income (Post-Retirement)
₹1.2 L
Retirement Milestones
Withdrawal Strategy
25% of Retirement Goal
Achieved at age 45 (15 years)
50% of Retirement Goal
Achieved at age 52 (22 years)
100% of Retirement Goal
Achieved at age 60 (30 years)
Financial Independence
Possible at age 58 (28 years)
4% Safe Withdrawal Rate
₹1.28 L/month
Portfolio Duration
30+ years
Inflation-Adjusted Income
₹85,000/month
Required Corpus
₹3.2 Cr

Note: 4% rule suggests withdrawing 4% of your portfolio annually, adjusted for inflation.

Retirement Planning Insights

Understanding Retirement Planning

Retirement planning involves estimating the corpus needed to maintain your desired lifestyle after you stop working. It considers factors like inflation, life expectancy, investment returns, and post-retirement expenses. Starting early and investing consistently are key to building a substantial retirement fund.

Key Retirement Metrics

Retirement Corpus: Total amount needed to fund your retirement years.
Safe Withdrawal Rate (SWR): Percentage you can withdraw annually without depleting your portfolio.
Replacement Ratio: Percentage of pre-retirement income needed in retirement.
Financial Independence Number: Corpus needed to cover expenses without employment income.

Retirement Strategies

  • Start Early: Benefit from compounding over longer periods
  • Diversify Investments: Spread risk across asset classes
  • Increase Contributions: Boost savings with salary increases
  • Consider Inflation: Plan for rising costs over time
  • Review Regularly: Adjust plan based on life changes

Common Retirement Mistakes

  • Underestimating life expectancy and healthcare costs
  • Ignoring inflation's impact on purchasing power
  • Being too conservative or aggressive with investments
  • Not having a withdrawal strategy
  • Failing to account for taxes in retirement