Smart Retirement Calculator

How much do I need to retire?

A common rule is the 4% rule: you need 25× your desired annual retirement income saved. Our calculator uses your inputs — savings, contributions, return rate, and inflation — to give you a personalized figure.

What is a safe annual return rate to assume?

Historically, a diversified stock portfolio has returned around 7–10% annually before inflation. Conservative investors often use 5–6%, while aggressive investors may project 10–12%. The default of 7% is a reasonable moderate estimate.

What is the best retirement scheme in India?

For Indian investors, NPS (National Pension System), PPF (Public Provident Fund), and EPF (Employee Provident Fund) are the top government-backed options. Equity mutual funds offer higher growth for aggressive investors.

What is the difference between conservative, moderate, and aggressive investing?

Conservative portfolios hold more bonds and cash for stability (lower risk, lower return). Moderate portfolios balance stocks and bonds. Aggressive portfolios hold mostly equities for maximum long-term growth at higher short-term volatility.

How does inflation affect retirement savings?

Inflation reduces the purchasing power of money over time. A 3% inflation rate means $60,000 today needs about $108,000 in 20 years to buy the same things. Our calculator adjusts your required savings for inflation automatically.