What is the 4% rule and does it work in India?

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.

Should I include EPF in my retirement savings?

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.

What return rate should I assume for retirement planning?

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).

How does inflation affect retirement planning?

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.

Retirement Calculator

Plan your retirement with inflation-adjusted corpus and pension estimates

Finance & BusinessFREEYour data never leaves your browser

Retirement Calculator is a free, browser-based tool that lets you plan your retirement with inflation-adjusted corpus and pension estimates — with zero signup, zero installation. Your data never leaves your browser. Part of 67+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

Current Age30 yrs

18 yrs65 yrs

Retirement Age60 yrs

40 yrs75 yrs

Life Expectancy80 yrs

60 yrs100 yrs

Current Monthly Expenses₹40,000

10,0005,00,000

Expected Inflation Rate6%

3%10%

Current Savings / Investments5.00 L

01,00,00,000

Monthly Investment (SIP)₹10,000

05,00,000

Pre-Retirement Return (Annual)10%

4%16%

Post-Retirement Return (Annual)7%

3%12%

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)

Age 35

Yours: 15.80 L | Need: 2.21 Cr

Age 40

Yours: 33.45 L | Need: 2.69 Cr

Age 45

Yours: 62.33 L | Need: 3.22 Cr

Age 50

Yours: 1.10 Cr | Need: 3.78 Cr

Age 55

Yours: 1.87 Cr | Need: 4.31 Cr

Age 60

Yours: 3.13 Cr | Need: 4.72 Cr

Your Corpus

Corpus Needed

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

EPF (Employee Provident Fund): Mandatory 12% of basic salary contribution. Currently earns ~8.25% p.a. tax-free. Your employer matches the contribution. Include your EPF balance in current savings.
NPS (National Pension System): Additional Rs 50,000 tax deduction under Section 80CCD(1B) over the Rs 1.5 lakh 80C limit. Mix equity (up to 75% allocation till age 50) for higher long-term returns.
PPF (Public Provident Fund): Tax-free returns at ~7.1% with 15-year lock-in. Rs 1.5 lakh annual limit under Section 80C. Ideal for the debt portion of your retirement portfolio.
Equity Mutual Funds (SIP): For a 20-30 year horizon, equity has historically returned 12-15% CAGR in India. Start SIPs early and increase by 10% annually (step-up SIP) to beat inflation.
Health Insurance: Medical inflation in India runs at 10-14% p.a. Secure a Rs 25-50 lakh family floater with a super top-up by age 35. Costs rise sharply after 45.
Diversify Across Tax Buckets: Combine EPF (EEE), NPS (EET), PPF (EEE), ELSS (EEE after 1L LTCG), and SCSS/RBI bonds for post-retirement income.

How to Use

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

Frequently Asked Questions

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.

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Retirement Calculator

Plan your retirement with inflation-adjusted corpus and pension estimates

Finance & BusinessFREEYour data never leaves your browser

Current Age30 yrs

18 yrs65 yrs

Retirement Age60 yrs

40 yrs75 yrs

Life Expectancy80 yrs

60 yrs100 yrs

Current Monthly Expenses₹40,000

10,0005,00,000

Expected Inflation Rate6%

3%10%

Current Savings / Investments5.00 L

01,00,00,000

Monthly Investment (SIP)₹10,000

05,00,000

Pre-Retirement Return (Annual)10%

4%16%

Post-Retirement Return (Annual)7%

3%12%

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)

Age 35

Yours: 15.80 L | Need: 2.21 Cr

Age 40

Yours: 33.45 L | Need: 2.69 Cr

Age 45

Yours: 62.33 L | Need: 3.22 Cr

Age 50

Yours: 1.10 Cr | Need: 3.78 Cr

Age 55

Yours: 1.87 Cr | Need: 4.31 Cr

Age 60

Yours: 3.13 Cr | Need: 4.72 Cr

Your Corpus

Corpus Needed

The 3.5% Rule (India-Adapted Safe Withdrawal)

Retirement Planning Tips for India

EPF (Employee Provident Fund): Mandatory 12% of basic salary contribution. Currently earns ~8.25% p.a. tax-free. Your employer matches the contribution. Include your EPF balance in current savings.
NPS (National Pension System): Additional Rs 50,000 tax deduction under Section 80CCD(1B) over the Rs 1.5 lakh 80C limit. Mix equity (up to 75% allocation till age 50) for higher long-term returns.
PPF (Public Provident Fund): Tax-free returns at ~7.1% with 15-year lock-in. Rs 1.5 lakh annual limit under Section 80C. Ideal for the debt portion of your retirement portfolio.
Equity Mutual Funds (SIP): For a 20-30 year horizon, equity has historically returned 12-15% CAGR in India. Start SIPs early and increase by 10% annually (step-up SIP) to beat inflation.
Health Insurance: Medical inflation in India runs at 10-14% p.a. Secure a Rs 25-50 lakh family floater with a super top-up by age 35. Costs rise sharply after 45.
Diversify Across Tax Buckets: Combine EPF (EEE), NPS (EET), PPF (EEE), ELSS (EEE after 1L LTCG), and SCSS/RBI bonds for post-retirement income.