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Retirement Parameters

Planning
₹40,000
6%
85 Years
Required Retirement Corpus

₹6,09,95,966

At retirement age
Monthly Savings Needed

₹17,280

Start saving monthly today
Future Monthly Expense

₹2,29,740

Inflation adjusted at start

Retirement Wealth Lifecycle (Growth & Drawdown)

Retirement Corpus Investment Strategies

NPS (National Pension Scheme)

An excellent tool for Indian taxpayers offering extra ₹50,000 tax deduction under Sec 80CCD(1B), compounding at low costs.

EPF / VPF Contributions

Employees Provident Fund earns stable compounding tax-free interest, forming the bedrock of conservative retirement corpus.

Mutual Fund SIPs

For pre-retirement growth, allocating 60-70% to diversified equity mutual funds beats inflation over long horizons.

SWP (Systematic Withdrawal)

Post-retirement, move corpus to debt funds or annuities and set up SWP to get a steady monthly cash inflow while capital keeps growing.

Why Inflation is Your Biggest Enemy in Retirement

Retirement planning is not just about compounding savings—it is a race against **inflation**. At an average inflation rate of 6% per annum, the purchasing power of your money halves approximately every 12 years. This means if you spend ₹40,000 monthly today, you will need ₹2.3 Lakhs monthly in 30 years to buy the exact same goods and services.

The Retirement Corpus lifecycle:

A sound retirement plan comprises two core stages:

  • Growth Phase (Pre-Retirement): You systematically invest monthly savings (via SIPs) in high-yield assets like equity mutual funds. This builds your nest egg aggressively over your working years.
  • Distribution Phase (Post-Retirement): The accumulated corpus is transitioned into safer, income-generating schemes (such as the Senior Citizens Savings Scheme - SCSS, or bank FDs). You set up a Systematic Withdrawal Plan (SWP) to fund your monthly living costs, while the rest of the corpus continues to accrue interest.