Retirement Planning Calculator for India

The number depends on five things — your age today, the age you retired or want to retire, the age you plan to live to, what you spend a month, and what you've already saved. The planner above models all five and tells you the corpus you'd need at your retirement age to fund the life you described, in today's rupees, at your assumed return and inflation. It works whether you are still accumulating or already drawing down.

A common rule of thumb is 25× your annual expense at retirement — but that's just a benchmark. The planner gives you a specific number for your specific situation.

You set the inflation rate yourself — the default is 6.5%, broadly in line with India's recent CPI trend. The number you enter is applied uniformly to your expenses and goals across the entire horizon.

Education and medical inflation can run higher (10-14%). If those are a large share of your spend, set the rate a touch above 6.5% to be conservative.

No. Accrue is an AMFI-registered Mutual Fund Distributor (ARN 162637). The planner is illustrative and educational — its output reflects the inputs you enter and the assumptions you choose. It is not financial advice, a recommendation, or a guarantee of any future outcome.

Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing.

Your inputs live in your browser only — in local storage and the URL. We never see them unless you choose to share them with us by booking a call.

You can return to the page weeks later and pick up where you left off. You can share the URL with your spouse or your CA, and they'll see the same plan you do.

It is a rule of thumb, not a law. The idea: a corpus of about 25 times your annual expenses corresponds to drawing roughly 4% of it a year — a figure drawn from long-run studies of how much a portfolio can sustainably support over a multi-decade retirement.

Many people use 25× to 30× as a starting reference and refine from there. It is a sense-check, not a precise target, and it does not account for your specific inflation, taxes, or time horizon — which is what the planner is for.

The retirement age moves the number more than most people expect. Retiring earlier means fewer years of earning and more years the corpus must support, so the same lifestyle generally calls for a materially larger corpus at 50 than at 60.

There is no universal figure — it depends on your savings, your other income, and your time horizon. The planner lets you change the retirement age and see how the picture shifts.

It depends entirely on what you spend. As an illustration, ₹5 crore at the 25× rule of thumb corresponds to roughly ₹20 lakh of annual expenses — about ₹1.67 lakh a month in today's money — and a larger spend would need a larger corpus.

Whether any figure is "enough" depends on your lifestyle, your city, how long the money must last, and inflation over that horizon. The planner gives you a number for your own assumptions rather than a generic one.

NRIs face questions resident families do not: a currency mismatch between income earned abroad and expenses planned in rupees, repatriation rules, and tax treatment that varies with the country of residence.

The planner works in rupees and can model a return to India. The cross-border tax and repatriation questions, though, are best guided by a tax professional anchored in your country of residence; we are happy to introduce you to advisers we work with.

The planner uses your assumptions, not ours — the defaults are a 6.5% inflation rate, broadly in line with India's recent CPI trend, and a return you set yourself. There is no single "correct" return to assume; it reflects how a portfolio is invested, and markets do not deliver a steady number year to year.

A common approach is to test more than one assumption — a conservative case and a central case — and see whether the plan holds up in both. These are illustrative inputs, not a forecast or a promise of any return.

Yes — you can enter a tax assumption so the working reflects post-tax figures rather than headline ones. Tax rules change and depend on individual circumstances, so treat the output as an illustration.

For your specific tax position, please consult a qualified tax professional.

These often matter as much as monthly spend. The planner lets you add one-off goals and expenses — a child's education or wedding, a property purchase, a lump sum — so they sit inside the same picture rather than being forgotten.

Healthcare and education costs have historically risen faster than general inflation, so it is worth being a little conservative where those are a large share of your spending.

A plan is a snapshot of today's assumptions, not a one-time exercise. Many people revisit it once a year, and after any large change — a new job, a windfall, a move abroad or back to India, a shift in family circumstances.

Because your inputs are saved in the page's URL, you can return to your earlier plan and update only what has changed.

Sequence-of-returns risk is the danger that a major market fall in the first few years of retirement — when withdrawals have already begun — can permanently damage the corpus, even if markets recover later.

The reason is mechanical: withdrawals during a down-market redeem more units at lower prices, shrinking the base that benefits from any subsequent recovery. It is the single most cited reason why retirement portfolios are structured differently from accumulation-phase portfolios, and why maintaining a buffer of low-volatility assets for near-term expenses is standard practice.

The 4% rule was derived from studies of US markets and a 30-year retirement horizon (the original "Trinity Study," 1998). Whether it applies to Indian conditions — different inflation, different market history, different tax treatment — is actively debated.

Some practitioners suggest testing a range of 3–4% as a starting withdrawal rate for Indian portfolios, and adjusting based on how the portfolio and markets perform. The planner above lets investors model different withdrawal rates and see the impact over their specific horizon. There is no universally safe number; the right rate depends on the portfolio composition, the time horizon, and how much flexibility the investor has to adjust.

Healthcare expenses tend to be lumpy and unpredictable — a planned surgery, an emergency hospitalisation, or ongoing treatment for a chronic condition can draw large amounts in a short period.

Many families find it useful to earmark a portion of the corpus — or a separate instrument like a health insurance policy with adequate cover — specifically for healthcare, rather than drawing from the retirement income stream. This protects the SWP corpus from large, unplanned drawdowns that can disrupt the withdrawal plan.

Any reliable, recurring income — rental income, a government or corporate pension, annuity payments — reduces the amount the investment corpus needs to fund each month. If monthly expenses are ₹2 lakh and rental income covers ₹50,000, the corpus only needs to generate ₹1.5 lakh through withdrawals.

The planner's "other income" field allows investors to model this. The caution is around reliability: rental income can be interrupted by vacancy, and pension purchasing power erodes with inflation unless it is inflation-indexed.

Yes. Unlike an annuity or a pension, an SWP is fully flexible. The amount can be increased if expenses rise, reduced temporarily if markets are under stress, paused entirely if there is other income available, or redirected from one fund to another.

This flexibility is one of the reasons SWPs are widely used for retirement income from mutual fund portfolios in India.

Retirement planning usually means estimating what your current lifestyle will cost at retirement age after inflation, working out the corpus that expense needs, and then reviewing how existing savings and investments measure against it. The free calculator on this page walks through each of these steps.

This is educational information; suitability depends on individual circumstances.