Retirement Corpus Calculator India — FY 2025-26
Find out how much you need to save to retire comfortably. For India. Uses current FY 2025-26 data.
₹
Your household expenses today
Common questions — India
How accurate is this calculation?
This is a planning estimate. The real variables (inflation, returns, life expectancy) will be different from assumptions. Revisit your retirement plan every 3–5 years. The key principle: start early, save consistently, and adjust as you go.
Should I plan to 85 or 90?
Plan conservatively. With improving healthcare, living to 90+ is increasingly common. Running out of money at 82 when you expected to live to 85 is a catastrophic outcome. Overshoot your life expectancy assumption by 5–10 years.
What post-retirement return rate should I use?
Post-retirement, you should gradually shift to more conservative investments (bonds, FDs, annuities). Use 7–8% for Indian investors planning to hold some equity + debt hybrid. If entirely in FDs/annuities, use 6–6.5%.
Does this include Social Security or pension?
No — this calculator assumes you fund 100% of your retirement. If you expect a pension, government benefit, or rental income, subtract it from your required monthly expenses before calculating. The monthly expenses input should be net of any guaranteed income.
What is the 4% rule?
A US-originated rule that says you can withdraw 4% of your corpus in the first year of retirement, then adjust for inflation annually, and your money will last 30 years. For India, with higher inflation and potentially longer life, a 3–3.5% withdrawal rate is safer.