Retirement Planner
The corpus you need and the monthly saving to get there.
Retirement corpus is the present value, at retirement, of an inflation-adjusted expense stream. Spending ₹60,000 a month today, retiring in 25 years with 6% inflation and 25 years of retirement at an 8% post-retirement return, you need roughly ₹6.6 crore — about ₹35,000 a month invested at 12%.
Your Inputs
Corpus needed at retirement
Monthly investment needed
₹23,260
Existing savings will become
₹1,70,00,064
Tenure Impact Analysis
See how the final corpus changes if you stay invested longer.
₹36.1 K/mo
+₹12.8 K total
55.1% Growth
₹23.3 K/mo
Baseline
Selected tenure
₹14.7 K/mo
+-₹8.6 K total
-36.8% Growth
How this works
Why the number looks frightening
It is in future rupees. At 6% inflation, prices roughly triple over 20 years, so a ₹6 crore corpus in 2050 buys what about ₹1.9 crore buys today. The right response is to check the monthly investment, not to stare at the corpus.
Healthcare inflation deserves its own line
Medical costs in India rise 10-14% a year, far above general inflation. Hold a separate health insurance policy with a super top-up that continues into retirement, plus a medical buffer outside the retirement corpus.
Keep equity in retirement
A 100% debt portfolio at 60 cannot outrun 6% inflation for 25 years post-tax. Most planners keep 30-50% in equity through retirement, with 2-3 years of expenses in liquid funds to avoid selling equity in a downturn.