Retirement Corpus Calculator - Inflation Adjusted
For Rs 50,000/month today growing at 6% inflation for 20 years: you will need Rs 1.60 lakh/month at retirement. To fund 25 years of retirement at 4% safe withdrawal rate, you need a corpus of Rs 1.60 lakh x 12 / 0.04 = Rs 4.8 crore. Start with this target, then add emergency buffer of 20% = Rs 5.76 crore target.
Future Cost
₹1,79,085
₹1L Will Be Worth
₹55,839
In 10 years at 6% inflation
India's average CPI inflation: ~6% p.a. Food inflation can be higher (8-10%). Plan investments to beat inflation for real returns.
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Common questions about Retirement Corpus Calculator - Inflation Adjusted
What is the 4% safe withdrawal rule and does it apply in India?
The 4% rule (from US research) suggests withdrawing 4% of corpus annually in retirement gives a 95%+ probability of not running out of money in 30 years. In India, with higher inflation (5-6%) and lower bond yields, some planners recommend using 3-3.5% withdrawal rate instead. At 3.5%, Rs 50 lakh supports Rs 1.75 lakh/year (Rs 14,583/month).
Should I include home equity in retirement planning?
A owned home eliminates rent expense (Rs 15,000-50,000/month in cities), which significantly reduces the corpus needed. However, home equity is illiquid. Reverse mortgage allows senior citizens to borrow against home equity without selling. The NHB (National Housing Bank) offers reverse mortgage up to Rs 50 lakh to senior citizens in India.
What is sequence-of-returns risk in retirement?
Sequence-of-returns risk is the danger of experiencing large portfolio losses in the early years of retirement. A 30% market crash in year 2 of retirement is far more damaging than the same crash in year 15 - because you are withdrawing at depressed prices. Solution: keep 2-3 years of expenses in FDs or liquid funds at all times during retirement, so you do not need to sell equity at lows.