Retirement Calculator India 2026

It projects your current monthly expenses forward using inflation, estimates the corpus needed to sustain that lifestyle through your expected retirement years, and compares it against your projected savings (EPF, PPF, NPS, and SIP contributions) growing at your assumed return rate. This is a planning tool, not a guarantee, since inflation and market returns vary over time.

Medical costs in India have historically risen faster than general consumer prices, so modeling them at the same rate as everyday expenses tends to understate your real future healthcare burden. This calculator lets you set a separate, typically higher, healthcare inflation rate to avoid that gap.

The commonly cited 4% rule comes from US market data. Many Indian planners use a more conservative 3-3.5% safe withdrawal rate given India's higher inflation environment, but the right rate for you depends on your specific corpus, expenses, and risk tolerance.

They form a strong tax-advantaged foundation, but they may not fully cover rising post-retirement expenses on their own, especially healthcare costs and a longer-than-expected lifespan. Most comprehensive retirement plans supplement them with additional equity or debt investments.

This calculator uses a simplified flat-rate approximation for tax on retirement withdrawals — it does not model the actual, more complex tax treatment of EPF, PPF, and NPS withdrawals under current income tax rules. Treat this figure as a rough indicator only, and consult a tax professional for accurate retirement tax planning.