Calculate your retirement corpus and check if your savings are on track
Corpus You Will Accumulate
₹7,05,98,275
Corpus You Will Need
₹4,45,71,463
Surplus
₹2,60,26,813
India has no social security system like some western countries. Retirement planning is entirely your responsibility. With increasing life expectancy — many people now live to 85-90 — you may need to fund 25-30 years of post-retirement life from your savings.
Inflation is the silent destroyer of retirement savings. At 6% inflation, the purchasing power of ₹50,000 today becomes equivalent to just ₹15,700 in 20 years. This is why our calculator factors in inflation to give you a realistic corpus target.
8-12% p.a.
Tax benefits under 80CCD(1B), annuity on retirement
7.1% (tax-free)
EEE tax status, sovereign guarantee, 15-year lock-in
10-15% p.a.
Highest potential returns, market risk, ideal for long term
8.15% p.a.
Employer contribution, tax-free on maturity
A common rule of thumb is that you need 25 times your annual expenses as your retirement corpus (assuming a 4% safe withdrawal rate). If your annual expenses are ₹6 lakh (₹50,000/month), you need ₹1.5 crore. However, with Indian inflation and longer lifespans, many advisors recommend planning for 30-33x annual expenses for a comfortable retirement.