Retirement Calculator for India

Retirement isn't simply the day work ends. It's the start of a phase where what you've built has to support the life you want to live.

Expenses change, inflation doesn't stop, and the years ahead may be longer than you expect. The question isn't only "How much should I have?" but "Will what I've built support the life ahead?"

Enter your numbers below to find out.

Your InvesTales Retirement Blueprint

What happens when the salary or income stops?

An illustrative data engine from InvesTales. Adjust the sliders and see your Blueprint update live.

Taru Phase: Nurture & Accumulation
Keeps your current lifestyle intact after retirement.
Pension, rent, EPF/PPF payouts. Reduces what your corpus must cover.
Assumed to grow at 12% a year until retirement and reduces your gap.

Kurma Phase: Tactical Enhancements

Kurma Phase: Tactical Enhancements · Your Output
The Retirement Gap–Net corpus needed after your existing portfolio
Required monthly Taru Mutual Fund SIP–Illustrative, at 12% a year
Taru: accumulation yearsKurma: drawdown years

Mutual Fund Distributor: Arvind Arora | AMFI Registration Number: ARN-56507. Mutual fund investments are subject to market risks, read all scheme related documents carefully. This tool is illustrative only and does not guarantee returns.

The Number Is a Starting Point

A calculator can show you a number. It cannot tell you what the number is for. Retirement is about more than building a corpus. It is about income, flexibility and security for the years ahead.

Build for tomorrow. Live from what you've built.

How This Calculator Works

Your Blueprint follows Taru and Kurma. The Taru Phase covers your earning years, when you build. The Kurma Phase covers retirement, when what you've built is used.
It starts from your monthly spending today, carries it forward at the inflation rate you choose, and estimates the corpus those years may need.
You may add other income, travel, medical costs and a 12.5% long-term capital gains (LTCG) tax allowance. The default assumptions are 12% a year before retirement, 8% after, and life expectancy of 85.
You can change all three.

Questions People Ask

How much money do I need to retire in India?
It depends on what you spend, how long retirement may last, inflation and the returns you assume. The calculator works it out from your own numbers.

Why does inflation matter so much?

At 6% inflation, today's costs more than quadruple in 25 years. A monthly expense that feels comfortable now can look very different at retirement.

Is my information stored?

The calculations run in your browser. Details are saved only if you download the report or message us, as explained in our Privacy Policy.

Continue Your Journey

Protect your health and income before they disrupt the Blueprint: [Protect]. Before you invest, understand your purpose and risk: [Invest]. Back to [Retirement].

Disclosure :

Mutual fund distribution is provided by:
Arvind Arora (AMFI-Registered Mutual Fund Distributor), ARN-56507.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.
This calculator is illustrative, its results depend on assumptions and are not guaranteed, and it is not a recommendation to buy, sell or hold any financial product. [Privacy Policy]