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Calculate your potential to retire - simply and easily.
Status
No - low probability you have enough
Savings needed for Retirement (age 60): ₹21,80,08,974
This calculator is a generic wellness tool and not financial advice. For personalized retirement planning consult your advisor.
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This retirement calculator is built for India-first planning. It helps you estimate whether your current savings trajectory can support your lifestyle after retirement. By combining income growth, expenses, inflation, longevity, and return assumptions, the tool gives a practical view of retirement readiness instead of a single static number.
You provide age, monthly income, expenses, savings, retirement age, and advanced assumptions such as inflation and expected return. The model projects savings year by year and compares your retirement spending needs with projected corpus behavior to indicate potential sufficiency.
This model assumes smooth inflation and return behavior and does not include detailed tax structures, sequence-of-returns shocks, or sudden spending events. Use this as a baseline in 2026, then stress-test with conservative assumptions and periodic reviews.
How much retirement corpus do I need in India?
A common starting point is to estimate future annual expenses and then test if your savings can sustain them through retirement years. This calculator does exactly that for 2026.
Why do inflation and return assumptions matter so much?
Because retirement lasts decades. Small differences in inflation or return assumptions can materially change your required corpus.
Can this tool show if my savings may run out?
Yes. It projects savings over time against expenses and indicates whether your assumptions suggest a shortfall risk.
Is this a guaranteed retirement outcome?
No. It is a scenario-based estimate. Real outcomes depend on market returns, behavior, tax rules, and spending changes.