Future Planning

Retirement Planning in India

Start planning for retirement today. Learn how to build a corpus that ensures financial independence in your golden years.

The 30x Rule for Retirement

A common guideline: Your retirement corpus should be at least 30 times your annual expenses. If you spend ₹50,000/month (₹6 lakh/year), aim for ₹1.8 crores. Adjust this for inflation - ₹50,000 today will need ₹2.9 lakh/month in 25 years at 6% inflation.

30x

Annual Expenses

₹1.8 Cr

Minimum Corpus

25+ Years

Time Horizon

Retirement Investment Options

EPF

Auto-deducted from salary. 12% of basic + employer contribution.

8-9% Returns

PPF

Tax-free returns. 15-year lock-in, can extend in blocks.

7-8% Returns

NPS

Market-linked returns. Tax benefit up to ₹2L total (80C + 80CCD).

9-11% Returns

Mutual Funds

Higher returns for long-term. Start SIP early.

12-15% Returns

Calculate Retirement Corpus