Configure Inputs

30
1870
65
4080
₹50,000
₹
₹0₹50.00 Lakh
₹500
₹
₹0₹50,000
7
115
₹5,000
₹
₹1,000₹50,000

Your Retirement Nest Egg

₹14,75,835

at age 65 (35 years from now)

Gap Detected ⚠️

Shortfall of ₹24,165

Save an extra ₹13/month to close the gap

Monthly Income (4% Rule)

₹4,919

Target Needed

₹15,00,000

💰 You'll hit $1M at age 59

Total Contributed₹2,60,000
Investment Growth₹12,15,835
Current Savings (FV)₹5,75,308
Contributions (FV)₹9,00,527

Deep Dive & FAQ

Retirement Planning Basics

This calculator estimates how much you'll have saved by retirement and whether it's enough to fund your desired lifestyle using the widely-accepted 4% Safe Withdrawal Rate.

The 4% Rule

The 4% rule suggests you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation, and your money should last 30+ years. To generate ₹5,000/month, you need ₹15,00,000.

Key Factors

  • Time: The earlier you start, the more compounding works for you
  • Contribution Rate: Even small increases compound dramatically over decades
  • Return Rate: Historically, diversified stock portfolios return ~7% after inflation
  • Spending: Lower retirement expenses mean a smaller nest egg needed

Quick Tips

  • Max out employer 401(k) matching — it's free money
  • Consider Roth IRA for tax-free growth
  • Increase contributions by 1% each year after raises
  • Don't forget Social Security income as a supplement