When you retire, what will fund the life you've worked so hard to build?
Retirement isn't just about stopping work. It's about having enough to continue living the way you want.
The lifestyle you enjoy today could cost significantly more by the time you retire. Take a few minutes to estimate what your retirement may require.
Let's find your retirement number
Answer five simple questions to get an estimate of the retirement corpus you may need.
How much money do you need to retire in India?
There is no universal number. What matters is your own cost of living, the age you stop earning, and how many years the corpus has to last. Start with what you spend today, grow it to your retirement year, and then work out the pool of money that can pay those rising expenses year after year.
Why does inflation matter for retirement?
At 6% a year, prices roughly double every twelve years. A retirement plan built on today's expenses can fall short by a wide margin, because the same lifestyle simply costs more in the future — every year of retirement, not just the first.
Why does starting early matter?
The years before retirement do most of the heavy lifting. Money invested earlier compounds for longer, so the same target corpus needs far smaller contributions when you begin in your thirties instead of your late forties.
What about the investments I already have?
Whatever you have already earmarked for retirement keeps growing until you stop working. This estimate grows that amount at your chosen return and subtracts it from the corpus you need, so the gap you see is only what still has to be built.
What this estimate does — and doesn't — tell you
It tells you the scale of the corpus your future expenses may demand and how far your current investments go towards it. It does not account for pension, EPF or NPS income, rental income, annuities, your other life goals, or the savings you will add from here on. For that fuller picture, plan with your real investments and goals together.