Plan your retirement journey with detailed year-by-year analysis
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đ Want to see the complete year-by-year breakdown?
This calculator does NOT include these significant costs. Plan separately or add 15-25% buffer!
Add 15-25% buffer to your required corpus OR create separate investment funds for these major expenses. Consider them when reviewing your detailed year-by-year analysis below.
A common starting point is 25â30Ã your annual expenses (the 4% rule). For example, if you spend âš12L/year, you need âš3â3.6 Cr. At 45, however, your corpus must last 45+ years, so many Indian planners use 30â33Ã expenses and account for 7% lifestyle inflation, rising healthcare costs, and children's education. Use this calculator with your actual expense inputs for a personalised number.
The 4% rule was derived from US market data. In India, higher inflation (6â8% vs 2â3% in the US) and different equity market history make a 3â3.5% withdrawal rate safer for 30+ year retirements. This calculator lets you set a custom withdrawal rate â conservative Indian planners often use 3% to 3.5%.
Inflation erodes purchasing power every year. At 7% inflation, costs double roughly every 10 years. A âš60,000/month lifestyle today will cost ~âš1.18L/month in 10 years and ~âš2.36L/month in 20 years. This calculator models separate inflation rates for lifestyle, healthcare (8â12%), and education (9%), giving a more accurate picture than a single blended rate.
FIRE (Financial Independence, Retire Early) means accumulating enough corpus that investment returns cover all living expenses indefinitely. Your FIRE number = Annual Expenses Ãˇ Safe Withdrawal Rate. In India, with 7% inflation and 7% post-retirement returns, a withdrawal rate of 3.5% is common, so your FIRE number â Annual Expenses à 28.6. Add education costs, parent care, and healthcare separately â this calculator handles all of them.
Enter each child's current age and education plan (school/UG/PG, or custom). The calculator projects education costs to the year they begin, applying an 8â9% education inflation rate. Costs are scheduled year-by-year in the retirement simulation, so the corpus depletion table shows exactly which years your corpus is under extra pressure from school and college fees.