Retirement Planning — Answered

For a comfortable retirement in India, you typically need ₹1.5 crore to ₹5 crore depending on your city, lifestyle, and age. In Tier 1 cities like Mumbai or Bangalore with a moderate lifestyle, ₹5–7 crore is recommended. For Tier 2 cities, ₹3–4 crore may be sufficient. Use our free retirement calculator to get your exact, inflation-adjusted number.

No, for most people. ₹1 crore generates only ₹30,000–40,000/month through a Systematic Withdrawal Plan (SWP). After inflation, this purchasing power erodes rapidly. ₹1 crore might work in Tier 3 cities with a frugal lifestyle, but it's risky for most Indians.

A good rule: 70–80% of your pre-retirement income. So if you earn ₹1 lakh/month now, plan for ₹70,000–80,000/month post-retirement. However, account for inflation — ₹70,000 today will need to be ₹2–3 lakhs in 25 years to maintain the same lifestyle.

There's no single 'best' plan. The optimal strategy combines EPF (employer-matched, tax-free), NPS (market-linked, extra ₹50K tax benefit under 80CCD(1B)), PPF (guaranteed returns, tax-free), Equity SIPs (growth engine at 12–14% CAGR), and comprehensive health insurance for protection.

Yes, but you need aggressive planning. The FIRE (Financial Independence, Retire Early) movement is growing in India. You'll need 25x your annual expenses invested, a low withdrawal rate (3–3.5%), and ideally a side income or passion project. Use our RetirePro calculator to check feasibility.

This is a real risk with increasing life expectancy (85+ years). Solutions: plan for 90+ years, keep 20% corpus in annuity plans, maintain part-time work options, consider reverse mortgage, or account for family support. RetirePro lets you model life expectancy up to 100 years.

Best options for Indians: (1) SWP from mutual funds (tax-efficient), (2) Senior Citizen Savings Scheme — SCSS at 8.2% quarterly, (3) Post Office Monthly Income Scheme — POMIS at 7.4% monthly, (4) Pradhan Mantri Vaya Vandana Yojana at 7.4% pension, (5) dividend stocks, and (6) rental income if you own property.

Yes, RetirePro is completely free to use. No account creation, no email required, and no hidden charges. You can build a complete retirement plan with income projections, expense tracking, children's education goals, and visual charts without signing up.

RetirePro is built specifically for India with India-specific assumptions: 6% general inflation, 8% education inflation, 7% healthcare inflation, EPF and NPS integration, children's education and marriage goals, home loan EMI impact, mini-retirement breaks, and joint retirement planning. Most calculators use global assumptions that don't apply to Indian conditions.

No. RetirePro does not require any login, signup, or email address to use the full calculator. Your data is processed in your browser. You can optionally sign in to save your plan and access it later.

RetirePro uses standard financial formulas with conservative, India-specific assumptions: 7% general inflation, 8% education inflation, 12% pre-retirement returns, and 8% post-retirement returns. You can customise all assumptions. While no calculator can predict the future, RetirePro provides a realistic baseline for planning.

Yes, RetirePro uniquely supports mini-retirement planning. You can add career breaks (e.g., a 1-year sabbatical at age 40) and see exactly how it affects your overall retirement corpus. This is especially useful for professionals in tech, consulting, or creative fields.

RetirePro supports all major Indian retirement instruments: Employee Provident Fund (EPF), National Pension System (NPS), Public Provident Fund (PPF), Equity Linked Savings Scheme (ELSS), mutual fund SIPs, fixed deposits, and other investments. You can input your existing balances and monthly contributions for each.

Absolutely. RetirePro processes all calculations in your browser. We do not store your personal financial data on our servers. We use SSL encryption and never sell or share your data with third parties. If you choose to sign in, only your profile data is saved securely.