Retirement Calculator
Estimate the savings and investments required to achieve a comfortable retirement with our retirement calculator.
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Insights & Questions
Everything you need to know about Retirement calculations.
There is no single number, but a common goal is to have a corpus that provides 70-80% of your pre-retirement monthly income while accounting for inflation. Our calculator helps you find this specific number for your lifestyle.
Inflation reduces the purchasing power of money. If you need ₹50,000 to live today, you might need ₹2 Lakhs for the same lifestyle in 20 years. Calculating with a 6-7% inflation rate is crucial for retirement planning.
The 4% rule suggests that if you withdraw 4% of your total retirement corpus in the first year and adjust it for inflation annually, your money is highly likely to last for 30 years or more.
The best time to start is with your first paycheck. Starting in your 20s allows the power of compounding to work for 30-40 years, requiring much smaller monthly investments than starting in your 40s.
During the accumulation phase, equity-oriented assets (Mutual Funds, NPS, Stocks) are best for growth. Near retirement, the focus should shift to safe, regular income assets like Senior Citizen Saving Scheme (SCSS), PMVVY, and SWP.
The National Pension System (NPS) is a regulated, long-term investment specifically for retirement. It offers additional tax benefits and provides a mix of equity and debt, ending in a mandatory annuity for regular pension.