Retirement Calculator
Plan your retirement corpus and monthly savings.
The 4% Rule
A popular rule of thumb in retirement planning is the 4% Rule (or 25x Rule). It states that you can safely withdraw 4% of your portfolio in the first year of retirement, and adjust that amount for inflation in subsequent years, with a high probability that your money will last for 30 years.
Estimating Expenses
Most experts suggest you'll need 70-80% of your pre-retirement income to maintain your standard of living. Expenses like commuting and saving for retirement disappear, but healthcare and travel costs typically rise.
The Impact of Inflation
Inflation is the silent killer of purchasing power. A ₹50,000 monthly expense today could easily become ₹1.5 Lakhs or more in 20 years. This calculator automatically adjusts your target corpus based on your expected inflation rate.
Where to Invest?
To beat inflation over the long term, a significant portion of your retirement corpus should typically be invested in equity mutual funds or diversified stock indices during your accumulation phase, shifting gradually to more stable debt instruments as you approach retirement.