How much do you need to retire?

Roughly ₹40,500 a month in hand if the money must last 25 years, or about ₹35,400 a month over 30 years. Both assume the income rises with inflation each year, the corpus earns 8%, and equity taxation. Over a shorter 20 years you could draw about ₹48,300 a month. If you want the ₹1 crore to stay intact and pass on, the figure drops to roughly ₹16,000 to ₹25,000 a month, because you can only spend the return above inflation.

If you need it starting today and lasting 30 years, about ₹2.86 crore. For 25 years, roughly ₹2.50 crore; for 20 years, about ₹2.09 crore. These are in-hand figures, rising with inflation, after tax. If retirement is still 15 years away, the same ₹1 lakh of today's spending becomes about ₹2.40 lakh a month by then, and the corpus needed climbs to roughly ₹6.89 crore.

It depends entirely on when you retire and what you spend. ₹5 crore supports about ₹1.74 lakh a month in hand over 30 years, or ₹1.99 lakh over 25 years, rising with inflation. That is comfortable for most households retiring at 60 — but if you retire at 50 and need the money for 35 to 40 years, the same corpus supports closer to ₹1.56 lakh a month, and inflation has longer to erode it.

At 11% a year, about ₹31,700 a month over 25 years, ₹57,800 over 20 years, or ₹1.10 lakh over 15 years. The jump is the point: every five years you delay roughly doubles the monthly commitment. A step-up SIP rising 10% a year lets you start meaningfully below these figures and still reach the same corpus.

Considerably more than retiring at 60, for two reasons: you have fewer years to build the corpus and more years to draw from it. Someone spending ₹1 lakh a month today, retiring in 20 years at 50 and needing income for 40 years, would need around ₹11.25 crore. Early retirement also means a long stretch before any pension or annuity begins, so the corpus carries the whole load.

For a 25 to 30 year retirement with withdrawals rising each year with inflation, 4% to 5% of the corpus in the first year is a reasonable starting point. The widely quoted 4% rule comes from American research with different inflation and market history, so treat it as a guide rather than a rule. Indian inflation runs higher, which argues for caution; Indian returns have also run higher, which argues the other way. The calculator settles it on your own numbers.

It estimates the corpus you need to retire, projects how your existing savings, lumpsums and SIPs grow until retirement, and models a monthly withdrawal through retirement — including the tax on each withdrawal — then shows any gap and how to close it.

Your current age, retirement age and how many years retirement should last; your inflation rate and current monthly expense; your existing corpus and any planned lumpsums; your monthly SIP; your expected returns before and during retirement; and whether the corpus will sit in equity or debt funds, with your tax slab.

Retirement Age is when you stop working and begin withdrawing. "Life After Retirement" is how many years your corpus must then last. Together they set the length of your saving phase and your withdrawal phase. Someone retiring at 60 in reasonable health should plan for thirty years or more.

Put money already invested in Existing Corpus. Use Additional Lumpsum Investments for one-time amounts you plan to invest today or on a future date — each is grown from its own date up to retirement. Add as many rows as you need.

A Fixed SIP invests the same amount every month. A Step-Up SIP raises your monthly amount by a set percentage each year, so you start lower today and increase as your income grows. For most salaried investors the step-up version is both easier to start and easier to sustain.

It's the income you'll draw in the first month of retirement, and it is the amount you actually keep in hand after tax. Leave it at 0 and the calculator uses your inflation-adjusted future monthly expense automatically; enter a figure to override that.

Inflation-Adjusted raises your withdrawal every year so your spending power holds up, which needs a larger corpus. Fixed keeps the rupee amount flat — cheaper to fund, but it loses purchasing power steadily. At 6% inflation a fixed ₹1 lakh a month buys roughly a quarter as much after 25 years.

Pick Equity Funds if the retirement corpus will stay in equity-oriented funds, where gains are taxed at 12.5% plus cess above the annual exemption. Pick Debt / Slab if it will sit in debt funds bought after 1 April 2023, where the whole gain is added to your income. The difference is large — on a thirty-year plan the debt route can need a corpus a third bigger for the same income.

Yes — set a lower Retirement Age. That shortens the years you have to invest and lengthens the withdrawal period, both of which raise the corpus you'll need. Early retirement usually also means a longer stretch before any pension or annuity income begins, so be conservative with the withdrawal figure.

The calculator runs a month-by-month simulation and finds the smallest starting corpus that lasts exactly through your retirement years. Each month the corpus grows at your post-retirement return, then enough units are redeemed to leave you your withdrawal amount after tax. The search repeats until the corpus lands at zero at the end of the period.

Your current monthly expense is grown by your inflation rate over the years until you retire. At 6% inflation, an expense roughly triples over 20 years — which is why the corpus figure looks so much larger than today's spending would suggest.

It begins at your Month-1 figure and, in Inflation-Adjusted mode, rises each year by your "Annual SWP Increase" rate — which is why the calculator also reports the larger withdrawal you'd take in your final retirement year. Both figures are shown as the amount reaching your bank, after tax.

Before retirement, long-horizon equity portfolios are often planned around 10–12%. During retirement, money usually shifts to safer assets, so 7–8% is common — and it should stay above your inflation and SWP-increase rate to remain sustainable. Assuming a higher return to make the plan work on paper only moves the problem into the future.

The first traces how your existing corpus, lumpsums and SIP build up year by year before retirement. The second shows your corpus drawing down during retirement alongside the rising monthly redemption.

Yes. This calculator is deterministic — it applies your stated returns directly rather than simulating random markets, so identical inputs always produce identical results. That is also its main limitation: real markets do not deliver the same return every year.

The required figure is what the withdrawal model needs, after tax, to last exactly your retirement period and finish at zero. The suggested planning corpus adds a safety buffer on top, giving you a more realistic target to aim for.

It's an extra cushion (7% by default, adjustable in the section settings) layered over the tax-adjusted need. It covers what the model cannot: the order in which returns arrive, healthcare costs rising faster than general inflation, and years where you simply need more than planned. Sequence risk alone can justify 10% to 15%.

It compares your total projected corpus with what's required. A gap means you're short and should invest more; a surplus means you're on track with room to spare. The gap is the single most useful number on the page, because it is the one you can act on.

They're three ways to invest the shortfall: Option A is a flat monthly SIP, Option B starts lower and steps up 10% a year, and Option C starts lower still and steps up 15% a year — all reaching the same target corpus.

It appears when your projected corpus would run out before your retirement period ends, and it names the year that happens. Increase your SIP or corpus, trim the planned withdrawal, or work a little longer to clear it.

It shows the total you would redeem across retirement, the tax paid on those redemptions, what you actually receive in hand after tax, your first-year withdrawal as a percentage of the corpus, and the corpus expected to remain at the end. Together they are a quick read on how sustainable the plan is.

Yes. Every withdrawal is split into your own capital coming back and profit, and only the profit is taxed. For equity funds the calculator applies 12.5% plus cess on gains above the ₹1.25 lakh annual exemption; switch the tax setting to Debt and the entire gain is taxed at your slab rate instead. Because tax comes out of the same corpus, the required figure is roughly 10% to 15% higher than an untaxed calculation would suggest.

When you redeem units, some of the money is the amount you originally invested and some is the profit on it. Only the profit is a capital gain. Early in retirement a large share of each withdrawal is profit, because the corpus has grown for years; the proportion shifts as you draw it down.

For resident investors, no TDS is deducted on mutual fund redemptions. You declare the capital gain in your return and pay the tax yourself, including advance tax where it applies. NRI redemptions are subject to TDS. The calculator assumes tax is paid out of the corpus.

A fixed deposit pays interest on your whole balance every year and you owe tax on all of it at your slab rate, including interest you never spend. A withdrawal plan taxes only the profit inside what you actually redeem, and the rest keeps growing untouched. For the same income, the FD route usually needs a noticeably larger capital base.

You can if you'll keep them invested until retirement, but they earn their own fixed rates. For accuracy, project their maturity value separately at those rates and add that figure, rather than growing them at an equity return. NPS is different again, since part of it must be annuitised at exit and the annuity income is taxed at your slab rate.

It assumes steady returns and inflation and a single withdrawal pattern. It does not model the sequence in which returns arrive, fund selection, expense ratios, exit loads, surcharge, or other income and capital gains you may have. Real outcomes will differ from any single projection, which is what the safety buffer is there to absorb.

Two retirees can earn the same average return over twenty years and finish in very different places, purely because of the order the returns arrived in. A sharp fall in the first few years, while you are also selling units to live on, does damage the later good years cannot undo. Keeping two to three years of spending in something stable is the usual defence.

No — it's an educational, illustrative tool. Wealth North is an AMFI-registered mutual fund distributor (ARN 331653), not an investment adviser or tax advisor. Mutual fund investments are subject to market risk; read all scheme-related documents carefully, and consult a qualified advisor before making decisions.