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Plan your retirement with inflation-adjusted corpus and pension estimates
Monthly Expenses at Retirement (Age 60)
2.30 L
Corpus Needed at Retirement
4.72 Cr
Your Projected Corpus
3.13 Cr
Shortfall
-1.59 Cr
Monthly Pension from Corpus
2.43 L
Corpus Will Last
13 years (until age 73)
Additional Monthly Investment Needed
₹7,022
Invest this on top of your current ₹10,000/month to bridge the gap
Total Invested
41.00 L
Wealth Gained (Interest)
2.72 Cr
Corpus Growth vs Requirement (5-year intervals)
The 3.5% Rule (India-Adapted Safe Withdrawal)
The popular 4% rule (from the Trinity Study) assumes US-level inflation of 2-3%. In India, with 5-7% inflation, a safer withdrawal rate is 3.5% per year. Based on your inflation-adjusted annual expenses of 27.57 L at retirement, you need a corpus of 7.88 Cr to follow this rule.
Retirement Planning Tips for India
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Retirement planning in India requires bridging two unknowns — how much corpus you will have at retirement and how much you will actually need. This calculator solves both sides: it projects your savings forward using compound growth, then discounts your future expenses back using inflation, revealing whether you are on track or facing a shortfall. It uses the 3.5% safe withdrawal rule adapted for Indian inflation.
The corpus needed is calculated by first inflation-adjusting your current monthly expenses to retirement date: Future Monthly Expense = Current Expense × (1 + inflation)^years. Then the annual requirement at retirement is multiplied by 1/SWR (safe withdrawal rate) to find the target corpus: Corpus Needed = (Future Monthly Expense × 12) / 0.035.
The corpus you will accumulate is projected using two components: existing savings grown at the pre-retirement return rate — Grown Savings = Current Savings × (1 + r)^n — plus future SIP contributions: SIP Corpus = Monthly SIP × [(1 + r/12)^(12n) - 1] / (r/12). The calculator then computes the gap or surplus: Surplus/Shortfall = Projected Corpus - Corpus Needed.
Post-retirement, the withdrawal phase simulation draws down the corpus each month (monthly expenses inflated each year) while earning post-retirement returns (typically 7-8% on a conservative debt-heavy portfolio). This gives a year-wise corpus projection showing whether your money lasts your lifetime expectancy, with a warning if the corpus depletes before the expected end of life.
A 35-year-old couple with Rs 20 lakh in EPF and Rs 25,000 monthly SIP wants to see if they can retire at 55 with Rs 1 lakh/month expenses (today's value).
A 48-year-old professional starting retirement savings late needs to calculate the monthly SIP required to accumulate a Rs 3 crore corpus in 12 years.
A government employee with a defined pension of Rs 60,000/month wants to find the additional corpus needed to cover a Rs 1 lakh monthly lifestyle gap.
A self-employed 40-year-old with irregular income wants to model three scenarios — conservative (7%), moderate (10%), aggressive (12%) — on the same Rs 30,000 monthly investment.
A 60-year-old retiree with Rs 2 crore corpus wants to check how long their money lasts at 3.5% vs 4% withdrawal, accounting for 6% inflation and 8% post-retirement returns.
Scope note: Projections assume constant return rates and inflation — real markets are volatile. Sequence-of-returns risk (early retirement market crash) is not modeled; a 30% crash in year 1 of retirement has a disproportionate impact vs. the same crash in year 10. This calculator does not account for healthcare cost inflation (which typically exceeds general CPI), longevity risk beyond the entered life expectancy, or major life events (children's education, property purchase). Use this as a planning baseline, not a guarantee.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.
Enter your current age, retirement age, and life expectancy
Set your current monthly expenses and expected inflation rate
Enter your current savings and monthly investment (SIP) amount
Adjust pre-retirement and post-retirement return rates
View your projected corpus, shortfall/surplus, and monthly pension estimate
About the Retirement Calculator
It depends on your monthly expenses, inflation, and retirement duration. As a rule of thumb, you need 25-30x your annual expenses at retirement. For example, if your expenses at retirement are Rs 1 lakh/month (Rs 12 lakh/year), you need Rs 3-3.6 crore corpus.
The 4% rule says you can withdraw 4% of your corpus annually without running out of money in 30 years. In India, higher inflation (5-7%) means a safer withdrawal rate is 3-3.5%. This calculator uses the India-adapted 3.5% rule.
Yes. EPF is a major retirement savings vehicle for salaried employees in India. Include your current EPF balance in "Current Savings" and factor the employer contribution into your monthly investment.
Pre-retirement: 10-12% if investing in equity mutual funds via SIP (historical Nifty 50 CAGR is ~12%). Post-retirement: 7-8% with a conservative debt-heavy portfolio (PPF, SCSS, debt funds, annuities).
Inflation erodes purchasing power over time. At 6% inflation, Rs 50,000 today will feel like Rs 1.6 lakh in 20 years. This calculator adjusts all expenses for inflation to give you a realistic retirement corpus target.
The US-originated 4% rule is too aggressive for India due to higher inflation (5-7%) and shorter fixed-income yields. Research suggests a 3-3.5% withdrawal rate (or Rs 3,000-3,500 per Rs 1 lakh corpus annually) is safer for a 25-30 year retirement in India.
If you receive a defined pension (government service, military) or NPS annuity, subtract that monthly amount from your required corpus withdrawal before calculating the lump sum needed. Enter only the gap — the amount your savings must fund — not total expenses.
This calculator assumes level monthly expenses and a constant return rate — both unrealistic over 20-30 years. It does not model sequence-of-returns risk (a market crash early in retirement can be fatal to a corpus). Consult a SEBI-registered fee-only advisor for a comprehensive retirement plan including asset allocation glide path.
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