Free tools · Calculator · 2 minutes

When can you stop working?

Your retirement number, whether you are on track for it, and the earliest age your current plan gets you there.

SEBI Registered Investment Adviser · INA000020572 · Fee-only, zero commissions

You, today

years
years
₹
Leave out EMIs and school fees that will have ended. Add travel and healthcare.
₹
EPF, PPF, NPS, mutual funds and shares. Not your home.
₹
Include your EPF and your employer's share.
Change the assumptions
%
% a year
% a year
% a year
Lower, because retirement money is invested more safely.
years
You need, at ₹0

Monthly spending at , after inflation₹0
Shortfall₹0
Extra monthly investment to close it₹0
Earliest age your current plan works0

Questions

How much money do I need to retire in India?

It depends on what you spend, when you retire and how long the money must last. The calculator raises your monthly spending by inflation until retirement, then works out the corpus that can pay that rising amount every year until the age you plan for.

What is a FIRE number?

FIRE stands for financial independence, retire early. Your FIRE number is the corpus at which your investments can cover your living costs for the rest of your life. A common rule of thumb is 25 to 30 times your annual spending, though the right figure for India depends on inflation and how the money is invested.

What inflation rate should I use?

6% a year is a reasonable long-term figure for household costs in India. Healthcare and education have risen faster. Small changes matter over decades, so try the calculation at 5% and 7% as well.

Why is the return after retirement lower?

Money you are living on has to be invested more safely, because a large fall just after you retire is hard to recover from. More in debt and less in equity means a lower expected return.

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This page is for education. It shows an illustration built from the numbers and assumptions you enter. It is not investment, tax or legal advice, and it does not take your full circumstances into account. Rates of return are assumptions, not promises. Tax rules change, so check the current rules or speak to an advisor before you act.

Invsify Technologies Private Limited is a SEBI Registered Investment Adviser, Registration No. INA000020572. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Past performance is not indicative of future results.