Retirement Calculator
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How much do you really need to retire?
We project your future monthly expenses (grown by inflation), then size a corpus that can sustain withdrawals through retirement:
- FIRE number = 25× your annual expenses (the classic "4% safe withdrawal" rule).
- Corpus needed = present value of all future inflation-adjusted expenses over your retirement.
- Monthly pension = what your projected corpus can safely generate (4% rule ÷ 12).
- We compare what you'll have (savings + monthly investments compounded) vs what you'll need.
Your FIRE number: the 25× rule
FIRE (Financial Independence, Retire Early) planning uses one simple anchor: your target corpus is 25× your annual expenses — the inverse of the 4% safe withdrawal rate. Spending ₹6 lakh a year (₹50,000/month)? Your FIRE number is ₹1.5 crore. Spending ₹10 lakh a year? ₹2.5 crore. Because the rule assumes a 30-year US-style retirement, many Indian planners prefer a more conservative 30–33× (3–3.3% withdrawal) for retirements that could stretch 35–40 years — a ₹6L lifestyle then needs about ₹1.8–2 crore. Health inflation in India runs well above CPI, so model your later-years medical spend separately (see the Health Insurance Need Calculator).
How this calculator works
The tool projects your corpus from current savings, monthly contribution, pre-retirement return and inflation, then tests it against a post-retirement withdrawal rate (default 4%, adjustable). It applies standard annuity compounding — all maths runs in your browser, nothing is stored. Content reviewed and updated for 2026. Related: SIP Calculator · Retirement withdrawal rates in India
Frequently asked questions
What is a FIRE number and how do I calculate mine?
FIRE = Financial Independence, Retire Early. Your FIRE number is 25× your annual expenses — spend ₹6 lakh a year and you need ₹1.5 crore. Conservative Indian planners often use 30–33× for longer retirements.
What is the 4% rule?
A guideline that says you can withdraw 4% of your retirement corpus in the first year (then inflation-adjust it yearly) with a high probability of never running out over 30 years.
What is a safe withdrawal rate for retirement in India?
Most Indian planners suggest 3–4% rather than the full US 4% rule, because Indian retirements are longer, equity markets are younger and health inflation is higher. A 3.5% rate on ₹2 crore gives about ₹70 lakh over a 30-year drawdown — plan with the calculator above.
Should I include my house in retirement corpus?
Generally no, unless you plan to downsize or rent it out. Your primary residence doesn't generate retirement income.
What return rate should I use?
Pre-retirement (accumulation): 10-12% with equity-heavy portfolio. Post-retirement (withdrawal): 6-8% with debt-heavy, lower-volatility portfolio.
How is monthly pension calculated?
We apply the 4% safe withdrawal rate to your projected corpus, then divide by 12. Actual annuity products may pay slightly differently.