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Enough to cover your expenses for the rest of your life after you stop earning — a figure that depends on your spending, how long you’ll live, and inflation. This calculator works it out in three steps: it grows today’s expenses to what they’ll be at retirement, sizes the corpus that funds those inflating expenses through your life expectancy, and works back to the monthly investment needed to get there.
At 6% inflation, expenses roughly double every 12 years. A ₹50,000 monthly budget today could mean well over ₹2,00,000 a month by the time a 30-year-old retires. Ignoring inflation is the single biggest mistake in retirement planning — it makes the corpus look far smaller than it needs to be.
Put their current total in “Current Retirement Savings” and the tool will grow it to retirement and subtract it from what you still need to invest. It won’t model future EPF contributions automatically, so treat the required SIP as being on top of those.
Many plans use something conservative — often in the 6–8% range for a debt-heavy retirement portfolio — but there’s no guaranteed figure. Try a few values to see how sensitive the corpus is.
They’re related but different. This assumes a traditional retirement age and funds expenses to life expectancy; FIRE commonly models an initial withdrawal-rate assumption against the target corpus. No withdrawal rate guarantees that a portfolio will last for a particular period. Both are worth trying.
