How much money do I need to retire in India?
The retirement corpus you need depends on your current age, expected retirement age, monthly expenses, life expectancy and inflation. This calculator projects your required corpus by modelling how your expenses grow with inflation and how your savings grow until retirement.
How does inflation affect my retirement corpus?
Inflation steadily raises the cost of living, so the monthly expense you have today will be much higher by the time you retire. A realistic retirement plan must grow your corpus faster than inflation erodes it.
When should I start planning for retirement?
The earlier you start, the more you benefit from compounding — even small monthly investments started in your 20s or 30s can build a significantly larger retirement corpus than larger investments started later.
What return rate should I assume before and after retirement?
A common approach is to assume a higher return (from equity-heavy investments) during your working years and a more conservative return (from debt-heavy, capital-protecting investments) after retirement, since capital preservation matters more once you stop earning.