What is a Retirement Planner?
India Retirement Planning Calculator that helps you determine exactly how large a corpus you need to retire comfortably. It accounts for current expenses, inflation, expected retirement age, post-retirement returns, and existing savings to tell you exactly how much monthly SIP you need to start today.
Benefits of Using Rupee Logic Retirement Planner
Corpus Calculation
Calculate the exact retirement corpus you need, fully adjusted for India's inflation rate over your working years.
SIP Requirement
Instantly know the monthly SIP you must start today to bridge the gap between current savings and the required corpus.
Inflation Adjusted
Uses real Indian inflation rates to show what your current expenses will cost at retirement — often a shocking number.
Healthcare Planning
Accounts for India's high healthcare inflation (typically 12% per year) separately from lifestyle inflation.
Frequently Asked Questions — Retirement Planner
A common rule is the 25x rule: multiply your annual retirement expenses by 25 (assumes 4% annual withdrawal). If you need ₹50,000 per month in today's terms, that is ₹6L per year, and 25 times that equals ₹1.5 crore in today's money. But accounting for 6% inflation over 30 years, the same lifestyle will cost ₹2.87 lakh per month at retirement — requiring approximately ₹8.6 crore corpus. Our calculator does this inflation adjustment automatically.
The earlier the better, but the 30s are ideal. Starting at 25: ₹5,000 per month SIP at 12% for 35 years = ₹3.24 crore. Starting at 35: same amount for 25 years = ₹94 lakh. Starting at 45: same amount for 15 years = ₹25 lakh. Starting at 25 versus 35 gives 3.4 times more corpus from the same monthly investment — this is the compounding advantage of starting early.
A commonly recommended approach is the 100-minus-age rule for equity allocation. At age 30, have 70% in equity mutual funds and NPS equity and 30% in debt instruments like PPF and EPF. As you approach retirement, shift more toward debt for stability. Post-retirement: consider Senior Citizen Savings Scheme, Monthly Income Plans, RBI Floating Rate Bonds, NPS annuity, and Systematic Withdrawal Plans from mutual funds.
Healthcare is the biggest wildcard in retirement planning. Medical inflation in India runs at 10-14% annually — much higher than general CPI inflation. Recommended approach: get comprehensive health insurance with ₹25-50 lakh coverage by your 50s; build a separate healthcare emergency fund equal to 3-5 years of healthcare expenses; in your corpus calculation, factor healthcare at a separate 10-12% inflation rate from lifestyle expenses.
The 4% rule (Bengen rule) says you can withdraw 4% of your retirement corpus every year and it will last 30 years. Originally designed for the US market with lower inflation. For India, a more conservative 3 to 3.5% withdrawal rate is appropriate due to higher inflation and longer life expectancies. With a corpus of ₹5 crore at 3.5% withdrawal: ₹17.5 lakh per year or ₹1.46 lakh per month for sustainable retirement income.