Retirement Planning
Retirement should be a plan. Not a guess.
Your paycheck may stop. Your expenses will not. Know your retirement number before you need it.
Start early
Your paycheck may stop. Your expenses won't.
Lifestyle, essential costs, healthcare and legacy goals all shape the retirement number.
Lifestyle
The life you want to fund.
Essential expenses
Non-negotiable monthly costs.
Healthcare
Medical costs often rise with age.
Legacy & goals
What else must the corpus support?
The future cost of today's life
Rs 1 lakh a month today will not necessarily be Rs 1 lakh when you retire.
Illustration at 6% inflation across 10/20/25 years.
10 years
About Rs 1.79 lakh / month
20 years
About Rs 3.21 lakh / month
25 years
About Rs 4.29 lakh / month
Disclaimer
Illustration only. Actual inflation and expenses vary.
Calculator
Retirement corpus calculator
Illustrative estimate using simplified assumptions. Not a guaranteed income projection.
Retirement gap framework
Required corpus vs what you already have.
The calculator estimates a corpus. The gap is what remains after existing retirement assets and the income you still expect.
Simple gap view
Required corpus − Existing retirement assets = Funding gap
Required corpus
Inflation-adjusted expense capacity for retirement years.
Existing assets
EPF, NPS, investments and other earmarked savings.
Monthly bridge
Indicative SIP / investment needed to close the gap.
Retirement income
Corpus is the start. Income is the real test.
Map existing assets, income sources and potential shortfalls before choosing products.
Accumulation
Build while you earn.
Transition
Reduce sequence risk as retirement nears.
Distribution
Convert corpus into sustainable income.
Review
Plans should evolve with longevity and health.
Product bridges
Closing the gap usually needs more than one tool.
FAQ
Frequently asked questions
What is a retirement number?
An estimate of the corpus needed to support future expenses after inflation and longevity assumptions.
Should I include existing assets?
Yes - but separate money already earmarked for other goals.
Is early retirement harder?
Often yes: fewer accumulation years and a longer income period.
Retirement review
Know your retirement number.
Share your age, target retirement age and current expenses to start the conversation.