Retirement Calculator — How Much Do You Need to Retire Comfortably?

The most important financial question isn’t “How much should I save?” — it’s “How much do I need?” Here’s how to calculate your retirement number.

The 4% Rule

The most widely used retirement planning framework:

Annual Retirement Expenses ÷ 0.04 = Required Corpus

If you need ₹50,000/month (₹6 lakh/year) in retirement:

₹6,00,000 ÷ 0.04 = ₹1.5 crore needed

This assumes your invested corpus earns enough to cover 4% annual withdrawals indefinitely while keeping pace with inflation.

Factoring in inflation

Money loses purchasing power over time. At 6% inflation:

• ₹50,000 today = ₹1.6 lakh in 20 years
• Your retirement corpus needs to be much larger than today’s math suggests

Inflation-Adjusted Corpus = Today's Need × (1 + Inflation Rate)^Years to Retirement

How much to save monthly

Monthly Saving = FV ÷ ((((1 + r)^n) - 1) ÷ r)

Where:
  FV = target corpus
  r = monthly return rate (annual ÷ 12)
  n = months until retirement

Key rules of thumb

1. Start early — Starting at 25 vs 35 can mean saving 50% less per month
2. The 50/30/20 split — 20% of income toward retirement/savings minimum
3. Increase with raises — Bump savings by 50% of every salary increase
4. Don’t touch it — Compounding breaks if you withdraw early

Try our Retirement Calculator to see if you’re on track with inflation-adjusted projections.