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About the Retirement Calculator
Retirement planning fails in one specific way: people plan against today's expenses. At 6% inflation, ₹60,000 a month becomes about ₹3.2 lakh a month in twenty-eight years, and a corpus sized for the smaller number runs out early.
This calculator works in real terms. It inflates your expenses to your retirement date, then computes the corpus that can fund a rising withdrawal for your full life expectancy, nets off what you have already saved, and solves for the monthly investment that closes the gap.
The formula
Using the real rate means the withdrawal keeps rising with inflation for the whole of retirement.
Things worth knowing
Frequently asked questions
A common shorthand is 25–30 times your annual expenses at retirement, which supports a 3–4% withdrawal rate. The calculator above is more precise because it uses your actual inflation and return assumptions and your life expectancy.
Around 3.5–4% of the corpus in the first year, rising with inflation thereafter. Higher rates carry a real risk of exhausting the corpus over a thirty-year retirement.
Yes — put their projected value into the existing savings field, or model them separately with the EPF and NPS calculators and add the results.
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