Retirement
Corpus Calculator

It depends on your monthly expenses and inflation. A rough rule: annual expense × 25 (using 4% SWR). If you spend ₹1 lakh/month today, you need about ₹3 crore adjusted for inflation to your retirement age. Use this calculator for a precise figure.

Financial planners in India typically use 3.5–4% SWR, slightly lower than the US 4% rule, to account for higher inflation and different asset market behaviour. At 4% SWR, a ₹3 crore corpus supports ₹1.2L/month annual withdrawals that grow with inflation.

Yes. EPF is a key retirement asset — check your EPF balance on the EPFO portal (epfindia.gov.in). Your employer contributes 12% of basic salary. Add this to your existing savings in the calculator for an accurate picture.

NPS is excellent for retirement — it invests in equity (up to 75%), corporate bonds, and government securities. At 60, 60% of the corpus can be withdrawn tax-free; 40% must be used to buy annuity. The extra ₹50,000 80CCD(1B) deduction makes it highly tax-efficient for 20–30% slab taxpayers.

Use 7–8% for a conservative balanced portfolio (debt-heavy) and 9–10% for an equity-tilted portfolio. Note that post-retirement, most advisors recommend shifting 60–70% to bonds/debt to reduce volatility.

Start at your first job. Starting at 25 vs 35 means you need to invest 3× more per month to reach the same corpus. Even ₹5,000/month in SIP from age 25 at 12% gives ₹3.52 crore by 60 — with very low monthly commitment.