WealthJot.ai
WealthJot.ai
🌴 Retirement Planner
Plan how much corpus you need and if you're on track

Retirement Planner: projected corpus at retirement grows to ₹16.70 Cr, based on the entered inputs.

Formula

Required Corpus = Annual Expenses at Retirement ÷ Safe Withdrawal Rate; Annual Expenses at Retirement = Current Annual Expenses × (1 + inflation)^years to retirement

Worked example
InputValue
Current Age32 years
Retirement Age60 years
Life Expectancy85 years
Current Monthly Expenses₹70,000
Current Retirement Savings₹20,00,000
Monthly Contribution₹40,000
Pre-Retirement Return12%
Post-Retirement Return7%
Inflation Rate6%
Projected Corpus at Retirement₹16,69,68,828
Required Corpus₹9,52,28,240
Surplus / Gap₹7,17,40,588
Monthly Income at Retirement₹3,57,818
Corpus Lasts Until Age85
Additional Monthly SIP Needed₹0

How the retirement planner works

The planner answers the two questions everyone eventually googles: how big a corpus do I need, and am I saving enough to get there? It inflates today’s monthly expenses to your retirement year, sizes a corpus that can pay those expenses for your whole post-retirement life (using your post-retirement return assumption), and checks whether current savings + monthly investing reach that number in time.

The step most people miss is *inflationThe steady rise in prices that erodes money’s purchasing power. applied twice*. First, your expenses inflate until retirement: ₹50,000/month today is ~₹1.6 lakh/month in 20 years at 6% inflationThe steady rise in prices that erodes money’s purchasing power.. Second, they keep inflating through a 25-30 year retirement — so the corpus must not merely pay year-one expenses but grow while being drawn down. This is why honest retirement numbers look shockingly large (usually ₹3-6 crore for a middle-class urban retirement decades away) and why “₹1 crore is enough” intuitions — formed in today’s rupees — are dangerously stale.
ExampleAge 35, retiring at 60, expenses ₹60,000/month today, 6% inflationThe steady rise in prices that erodes money’s purchasing power.: retirement-year expenses ≈ ₹2.6 lakh/month, and a corpus of roughly ₹5-5.5 crore sustains that to age 85 (at ~7% post-retirement returns). Sounds impossible — but ₹40,000/month SIP at 12% for 25 years builds ~₹6.8 crore. The monthly number is demanding; the corpus number only looks unreachable because it’s quoted in futureA binding agreement to buy or sell at a set price on a future date. rupees.
Common mistakeUsing today’s expenses as the retirement target, or assuming pre-retirement returns (12%) continue after retirement — a retiree’s portfolio must de-risk, so plan drawdownThe worst peak-to-trough fall in a portfolio. years at 6-8%. And don’t stopA pre-set exit that caps your loss if a trade goes wrong. the plan at 75: with rising life expectancyThe average profit or loss you can expect per trade., money that must last to 90 is the prudent default, and healthcare inflationThe steady rise in prices that erodes money’s purchasing power. runs hotter than CPIThe steady rise in prices that erodes money’s purchasing power..
✓ You learnedRetirement math = inflate expenses to retirement day, then fund 25-30 more inflating years at conservative post-retirement returns. Start from the monthly SIPInvesting a fixed amount at regular intervals, automatically. the tool demands, not the scary corpus — and revisit yearly, because small changes in age, savings rateThe share of your income you save and invest. or assumptions move the answer a lot.
FAQs
How much corpus do I need to retire in India?

A serviceable shortcut is 25-30× your expected *first-year retirement expenses* (today’s annual expenses inflated to your retirement year) — the calculator does this properly year by year. For most urban households retiring 20+ years from now, that lands between ₹3 and ₹6 crore in future rupees. The precise number matters less than the monthly saving it implies today.

What return assumptions should I use?

Pre-retirement (accumulation): 10-12% for equity-heavy portfolios. Post-retirement (drawdown): 6-8%, reflecting a safer mix. Inflation: 6% general (higher for healthcare). Err conservative on every dial — a plan that works at 10%/7%/6% is robust; one that needs 14% returns to work is a hope, not a plan.