Free Retirement Planner 2025 - Retirement Calculator India
Plan your perfect retirement with our comprehensive retirement calculator. Calculate required corpus, project growth with inflation adjustment, and achieve financial freedom. Best online retirement planner for Indian investors.
Free Retirement Calculator 2025 - Plan Your Retirement
Retirement Goals 2025
Select a retirement goal to auto-fill parameters
Your Retirement Plan Summary
Investment Summary
Retirement Expenses
✅ Excellent Progress!
You're on track! Your retirement plan has a surplus of ₹1,86,19,768. You can either reduce monthly investments or plan for a more comfortable retirement.
Smart Retirement Planning Tips 2025
Start Early
The earlier you start saving for retirement, the more time your money has to grow through compounding.
Diversify Investments
Spread investments across equity, debt, PPF, NPS, and real estate to balance risk and returns.
Maximize EPF/NPS
Contribute maximum to Employee Provident Fund and National Pension System for tax benefits.
Health Insurance
Adequate health insurance is crucial. Medical expenses can deplete retirement corpus quickly.
Increase SIP Annually
Increase retirement investments by 10-15% annually to align with income growth and inflation.
Review Regularly
Review retirement plan annually. Adjust for life changes, income growth, and market conditions.
Frequently Asked Questions - Retirement Planner FAQ 2025
How much corpus do I need for retirement? - Retirement Planner 2025
A common rule is 25x your annual expenses. If you spend ₹5 lakhs/year, aim for ₹1.25 crores. However, consider inflation, life expectancy, and lifestyle. Our retirement planner helps calculate your exact requirement with inflation adjustment.
What is the ideal retirement age in India?
Traditional retirement age is 60, but many aim for early retirement at 50-55 or work till 65. Your ideal age depends on corpus accumulated, lifestyle expectations, and health. Use our retirement calculator to plan for different retirement ages.
Should I invest in NPS (National Pension System)?
Yes! NPS offers tax benefits under Section 80CCD(1B) (additional ₹50,000 deduction), low fees, market-linked returns (8-10%), and disciplined retirement saving. Consider allocating 20-30% of retirement investments to NPS.
What returns should I expect from retirement investments?
Equity mutual funds: 10-12%, NPS: 8-10%, PPF: 7-7.5%, EPF: 8-8.5%. A balanced portfolio with 60% equity and 40% debt can generate 9-10% returns. Our retirement planner helps project growth at different return rates.
How do I plan for medical expenses in retirement?
Get comprehensive health insurance with ₹10-25 lakh coverage. Consider senior citizen plans and critical illness riders. Keep separate medical emergency fund of ₹5-10 lakhs. Medical costs can be 30-40% of retirement expenses.
Can I retire early with ₹2 crores?
It depends on lifestyle and age. At 50, ₹2 crores can generate ₹60,000-80,000/month if invested wisely. Use the 4% withdrawal rule - withdraw 4% annually (₹8 lakhs/year). Our retirement calculator helps assess if your corpus is sufficient for early retirement.