What is the 4% safe withdrawal rate?

The 4% rule states you can withdraw 4% of your retirement portfolio in year one, then adjust for inflation each year, with a high probability of the portfolio lasting 30+ years. It is based on historical US market data — adjust the rate based on your investment mix and expected market conditions.

How much corpus do I need to retire?

A common rule is 25× your expected annual expenses (based on a 4% withdrawal rate). For example, if you need ₹60,000/month (₹7.2 lakh/year), you need at least ₹1.8 crore. Higher inflation or longer retirement requires a larger multiple.

What return rate should I use?

Use 10–12% for equity-heavy long-term portfolios in India (historical Nifty 50 average). Use 6–8% for balanced portfolios. For post-retirement (distribution phase), use a more conservative 5–7% since you are likely in a lower-risk allocation.

How does inflation affect retirement planning?

Inflation erodes purchasing power. ₹50,000/month today might need ₹2.87 lakh/month in 30 years at 6% inflation. The inflation rate input adjusts your future expense estimates to today's money, helping you judge whether your corpus is truly sufficient.

Should I include Social Security or pension in my calculations?

Yes. Other income sources directly reduce the amount you need to withdraw from your corpus each month. If you receive ₹15,000/month from a pension and need ₹60,000/month total, you only need ₹45,000/month from your savings — significantly reducing the corpus required.

Finance

↵ to calculate

Retirement Calculator

Plan your retirement by projecting corpus growth, calculating safe monthly withdrawals, and estimating how long your savings will last.

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How to use this calculator

👉 Fill in the boxes below and your answer appears instantly — no maths needed, we do it all for you! 🎉

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In plain English — what does this do?

💵 A money helper! It works out things like how much to save, how much you owe, or how much you’ll have in the future. Just fill in the boxes and you’ll get your answer.

📌 Direct Answer & Summary

The Retirement Calculator covers three use cases: (1) How much will I save? — projects your corpus at retirement from monthly contributions, return rate, and years. (2) How much can I withdraw? — calculates the safe monthly withdrawal from a saved balance over a given number of years. (3) How long will my money last? — tells you how many years a balance will sustain a given monthly withdrawal. All calculations account for an expected investment return and optional inflation rate.

Currency

Current Age

Retirement Age

Monthly Savings (₹)

Expected Return (% p.a.)

Monthly Expense at Retirement (₹) optional

Inflation Rate (% p.a.)

What is Retirement Calculator?

How to use it

1️⃣ Select the calculation mode using the tabs: Save, Withdraw, or Duration.
2️⃣ Fill in the required fields for your chosen mode.
3️⃣ For the Save mode: enter current age, retirement age, monthly savings, and expected return.
4️⃣ For the Withdraw mode: enter your saved balance, post-retirement return, years in retirement, and any other monthly income.
5️⃣ For the Duration mode: enter balance, monthly withdrawal, and return rate.
6️⃣ Inflation rate adjusts all results to today's purchasing power.

Formula

Corpus = M × [(1+r)^n − 1] / r × (1+r) (future value of annuity). Monthly withdrawal = PV × r / [1 − (1+r)^−n]. Duration (months) = −ln(1 − PV×r/PMT) / ln(1+r).

💡 See it in action — a real example

Saving ₹20,000/mo from age 30 to 60 at 12%/yr → corpus ≈ ₹7.0 cr. From that corpus at 7% post-retirement return over 25 years → safe monthly withdrawal ≈ ₹49,000. With ₹15,000/mo social security income, net need from corpus ≈ ₹34,000/mo.

❓ Common questions

What is the 4% safe withdrawal rate?: The 4% rule states you can withdraw 4% of your retirement portfolio in year one, then adjust for inflation each year, with a high probability of the portfolio lasting 30+ years. It is based on historical US market data — adjust the rate based on your investment mix and expected market conditions.
How much corpus do I need to retire?: A common rule is 25× your expected annual expenses (based on a 4% withdrawal rate). For example, if you need ₹60,000/month (₹7.2 lakh/year), you need at least ₹1.8 crore. Higher inflation or longer retirement requires a larger multiple.
What return rate should I use?: Use 10–12% for equity-heavy long-term portfolios in India (historical Nifty 50 average). Use 6–8% for balanced portfolios. For post-retirement (distribution phase), use a more conservative 5–7% since you are likely in a lower-risk allocation.
How does inflation affect retirement planning?: Inflation erodes purchasing power. ₹50,000/month today might need ₹2.87 lakh/month in 30 years at 6% inflation. The inflation rate input adjusts your future expense estimates to today's money, helping you judge whether your corpus is truly sufficient.
Should I include Social Security or pension in my calculations?: Yes. Other income sources directly reduce the amount you need to withdraw from your corpus each month. If you receive ₹15,000/month from a pension and need ₹60,000/month total, you only need ₹45,000/month from your savings — significantly reducing the corpus required.

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