Retirement Calculator
Retirement isn't an age; it's a number. Calculate the exact corpus you need to buy back your time and live without a paycheck forever.
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The Retirement Runway
Retirement is a Cash-Flow Game
In the working stage of your life, you trade time for money. In the retirement stage, your money must trade itself for your time. This requires a Corpus—a large pile of assets that generates enough interest to cover your expenses forever.
The 4% Rule (and India)
Global experts suggest the 4% rule (withdrawing 4% of your corpus annually). In India, due to higher inflation, we recommend a 2.5% to 3% withdrawal rate. This ensures your money doesn't just last for your life, but grows with inflation.
The Inflation Trap
If you need ₹50,000 today, you will need nearly ₹2 Lakhs per month in 25 years just to maintain the same lifestyle. Never calculate your retirement in today's rupees; always account for the 6-7% annual erosion.