How much do I need to retire in India?

A common rule: retire with 25× your annual expenses. With ₹50,000/month expenses, you need ₹1.5 crore corpus. Adjust for inflation using our calculator.

What is the 4% withdrawal rule?

The 4% rule states you can withdraw 4% of your retirement corpus annually without depleting it. A ₹2 crore corpus allows ₹8 lakh/year withdrawal for 30 years.

How much should I save monthly for retirement?

Save 15-20% of income for retirement from age 25. Starting early with SIP in equity funds can build significant corpus through compounding.

What age is best to start retirement planning?

Start at 25-30. Starting at 25 vs 35 can double your retirement corpus due to compounding. Every 10-year delay requires roughly 3× higher monthly savings.

Will EPF alone be enough for retirement?

EPF alone is insufficient for most people. EPF provides about 30-40% of required corpus. Supplement with PPF, NPS, SIP investments for a complete retirement plan.

🎯 Retirement Calculator — Are You On Track?

Are You On Track? Calculate Projected Savings & Retirement Income

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Expected Annual Return (%) Historical S&P 500 avg: ~10% (7% inflation-adjusted)

Desired Monthly Income in Retirement ($)

Projected Savings at Retirement

Monthly Income (4% rule)

Savings Gap

Years to Retirement

📊 Retirement Savings Milestones by Age

Age	Fidelity Guideline	If $75K Salary	If $100K Salary
30	1x salary	$75,000	$100,000
40	3x salary	$225,000	$300,000
50	6x salary	$450,000	$600,000
60	8x salary	$600,000	$800,000
67	10x salary	$750,000	$1,000,000

Frequently Asked Questions

How much do I need to retire?

Use the 4% rule: multiply your desired annual income by 25. If you need $60,000/year, you need $1.5 million saved. This allows you to withdraw 4% annually with high probability of not running out of money over 30 years.

What is the 401(k) contribution limit for 2026?

The 2026 401(k) limit is $23,500/year ($31,000 if age 50+ with catch-up). IRA limit is $7,000 ($8,000 if 50+). Roth IRA income limits: phase out at $146,000-$161,000 (single) and $230,000-$240,000 (married).

What is the best age to claim Social Security?

You can claim at 62 (reduced by 30%), at full retirement age 67 (100%), or delay until 70 (132% of benefit). Every year you delay past 67 increases your benefit by 8%. If you're healthy and expect to live past 80, delaying to 70 is usually best.