Retire-in-India corpus calculator

Every returning NRI asks the same question and gets a different answer from every forum: is three crore enough, is five, is fifty lakh a month too little. The reason the answers scatter is that people argue about the corpus without agreeing on the assumptions underneath it, the inflation, the return, how many years in retirement.

This calculator puts the assumptions on the table and does the arithmetic. Tell it what a comfortable month costs today and when you plan to stop working, and it inflates that to your retirement date, sizes the corpus that funds it, and tells you the monthly saving to get there. Change any assumption and watch the number move.

What it does

The corpus you need, inflation-adjusted to your retirement date
The monthly saving to reach it, net of what you have already
Cross-checked against the 25x and 30x rules of thumb
Every assumption exposed and editable: inflation, returns, years
A downloadable report you can take to an adviser

Common questions

How much money do I need to retire in India?

It depends on your monthly expense, how long until you retire, and how long retirement lasts. As a rough guide, you need 25 to 30 times your annual expense at retirement. This calculator inflates today's expense to your retirement date and sizes the corpus using a real, inflation-adjusted return, then cross-checks it against the 25x and 30x rules.

What inflation rate should I assume for retiring in India?

Six percent is a sensible default. It is the top of the Reserve Bank of India's flexible target band of 4 percent plus or minus 2. Using 4 percent is optimistic for a decades-long retirement, and lifestyle and medical inflation often run higher, so the calculator defaults to the more conservative figure and lets you change it.

Is this retirement calculator financial advice?

No. It is a planning estimate built on assumptions you control, and it does not promise any return. Markets and inflation vary, and your own situation, including the RNOR tax window when you return, matters. Treat the output as a starting point and confirm your plan with a SEBI-registered investment adviser.

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