Inputs and options
The Retirement Calculator is an input-based calculator — you type values directly in your browser. Nothing is uploaded.
Inputs
| Input | What to enter |
|---|---|
| Current age | Your age today |
| Retirement age | The age you plan to retire (e.g. 60) |
| Current monthly expenses | Your monthly spending today (in today's rupees) |
| Expected inflation rate | Annual inflation assumption (6-7% typical for India) |
| Expected return | Annual return on your investment portfolio (8-12%) |
| Current savings | Total balance across EPF, PPF, NPS, mutual funds, etc. |
| Monthly investment | Total amount you invest each month across all accounts |
Options
- Inflation rate — adjust to model different cost-of-living scenarios
- Return assumption — test conservative (8-9%) vs aggressive (11-12%) portfolio returns
- Corpus multiple — the tool uses 25-30x annual expenses as the standard withdrawal-rate-based target
Getting the best results
- Use today's actual monthly expenses, not a future estimate — the tool inflates them for you
- Enter the combined balance of all retirement accounts as current savings
- Sum all monthly contributions (EPF employee+employer, PPF, NPS, SIPs) as monthly investment
- Run conservative and optimistic return scenarios to see the range of outcomes
Verdict
The Retirement Calculator takes your age, expenses, savings, and investment assumptions, then returns an inflation-adjusted required corpus, projected savings, and shortfall analysis.