Retirement

What would retirement actually cost?

A projection, not a promise. It inflates today’s spending to your retirement, works out the corpus that funds it to age 85, and back-solves the monthly investment. Every assumption behind that number is on screen below — and yours to change.

Your inputs

Current age

yrs

Monthly spending today

₹

Years until you retire

yrs

Enter your age, today’s monthly spend, and years to retirement. The projection appears here — and updates the moment you change an assumption below.

What this assumes — and you can change

None of these are hidden. They’re our starting estimates for India; edit any of them and the projection above recomputes live.

Return while investing

Return in retirement

Inflation — general

Inflation — housing

Inflation — education

Inflation — healthcare

Capital-gains tax (LTCG)

Plan to age

Spending mix (stated). Working years: 60% general · 20% housing · 15% education · 5% healthcare. In retirement it shifts — education falls to 0% and healthcare rises to 30%. Those weights set the blended inflation shown in the result. Returns are assumed constant; real markets aren’t.

What this is. A transparent projection from your inputs and the assumptions above — the whole point is that you can see and change every number. What it isn’t. It doesn’t recommend a fund, a product, or an allocation, and constant returns never happen in practice. Not investment advice.