Plan My Retirement

How long will your retirement money last?

Enter your corpus and monthly spending. See how long it lasts after real Indian tax and thirty years of markets.

How it works

Try it with your numbers

₹lakh
₹4 crore
₹
Rises with inflation each year

If markets grew evenly

32 yr 3 mo

until you're 92

With real ups and downs

34%

of people with this plan still have money at 92

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Nothing you type leaves your browser

Tax worked out for every year, under current Indian rules

Tested against real good and bad market years

Free, no signup, nothing leaves your device

Same plan, 100 people: the money lasts to 92 for only 34

Example: ₹4 crore in savings, ₹1.5 lakh a month in spending, withdrawals starting at 60. Imagine 100 people with this exact plan, each living through a different order of real good and bad market years. Each dot is one person.

92If markets grew evenly, the money lasts until 92
1 in 3With real ups and downs, only 1 in 3 people reach 92
85For half of them, the money is gone by 85
Each dot is one of 100 people with the same plan, placed at the age their money ran out. Most red dots sit between 78 and 84. Half have run out by about 85. Twenty-three are still going at 100. If markets grew at the same rate: lasts to 92 66 ran out before 92 34 lasted to 92 70 75 80 85 90 95 still going at 100 100+ Age when the money ran out
100 people, ₹4 crore spending ₹1.5 lakh a month from 60
OutcomePeople
Ran out of money before 9266
Made it to 9234
Still going at 10023

Based on 1,000 simulations using real Indian stock market returns from 2007 to 2026. How we got these numbers

How it works

Three steps, about two minutes. Nothing you type leaves your browser.

  1. Step 1

    You tell it what you have and what you spend

    You enter today's spending. It rises with prices every year: 6% for most things, 8% for medical.

  2. Step 2

    It works through every month

    Interest in, spending out, tax at that year's slabs, and funds sold to top up FDs when they run low.

  3. Step 3

    You see how long your money lasts

    If markets grew evenly every year

    60 → 92

    With real good and bad years

    60 → 85

    For half of people with this plan. Only 34 in 100 still have money at 92.

    Open this example

    The second answer tests your plan on 1,000 mixes of real Indian market years. A crash early does far more damage than the same crash late.

Start from a situation like yours

Each one opens the calculator already filled in. Change any number from there.

Retired from government, with a pension Age 60, ₹80 lakh saved, ₹60,000 pension, spends ₹90,000 a month Retired from a private job, no pension Age 60, ₹1.5 crore saved, spends ₹60,000 a month Savings plus rent from a flat Age 62, ₹1 crore saved, ₹35,000 rent, spends ₹75,000 a month Senior citizen, mostly in FDs Age 68, ₹1 crore saved, 90% in FDs, spends ₹50,000 a month Retiring early at 45 Age 45, ₹6 crore saved, spends ₹1.5 lakh a month Your own situation Start from a blank plan and enter what you have

Common questions

Answers come from the same engine as the calculator. Your own numbers will differ.

Open calculator
How much money do I need to retire in India?

About 35 times your yearly spending

That is enough to last to 92 for about 3 in 4 people. If markets grew evenly it would take about 23 times, but they don't. Retiring at 60, savings split evenly between FDs and mutual funds:

You spend a monthIf markets grew evenlyLasts to 92 for 3 in 4 people
₹50,000₹1.4 crore₹2.1 crore
₹75,000₹2 crore₹3.1 crore
₹1 lakh₹2.7 crore₹4.2 crore

A pension or rent lowers these numbers a lot.

See ₹3.1 crore at ₹75,000 a month
How long will ₹1 crore last after retirement?

22 to 30 years, depending on what you spend

₹40,000 a month30 years, to 90
₹50,000 a month22 years, to 82

That is retiring at 60, if markets grew evenly. With real ups and downs it lasts to 92 for about 3 in 10 people at ₹40,000, and 1 in 12 at ₹50,000.

See ₹1 crore at ₹50,000 a month
Does the 4% rule work in India?

Not reliably. Only about 4 in 10 make it.

Take out 4% a year43 in 100 reach 92

₹67,000 a month from ₹2 crore, rising with inflation

Take out 3% a year74 in 100 reach 92

₹50,000 a month from ₹2 crore

The rule came from US data. India's higher inflation and the tax on FD interest both work against it.

See the 4% rule on ₹2 crore
Why does this give a different answer from other retirement calculators?

Most calculators assume markets grow evenly and skip tax

Most calculators

  • How much to save before you retire
  • One steady return every year
  • Tax ignored or a flat guess

This one

  • What happens after you retire
  • Real market ups and downs
  • Tax worked out for every year

The even-growth answer is usually the optimistic one.

Try it with your numbers
What does “1 in 3” mean, and what is a good number?

Out of every 3 people with your plan, 1 makes it

1 in 3: the example on this page
3 in 4: what planners call properly funded

Your plan is run 1,000 times, each with good and bad market years in a different real order. The number is how many runs kept the money going to your planning age.

Check your own plan
How does it handle inflation and medical costs?

Your spending rises every year, and medical costs rise faster

6%a year rise in living costs
8%a year rise in medical costs, 15% of spending
5.5%lowest FD rate assumed, as rates keep falling

You can change every one of these in the calculator.

Change them for your plan
Is my data stored anywhere?

No. Nothing you type leaves your browser.

There is no account, and no server stores your numbers.

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Run your own numbers

Free, no signup, and nothing you enter leaves your browser.

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