Savings & Retirement Calculators

Secure your future with government-backed schemes and smart retirement planning. Calculate PPF, NPS, SSY returns and build your retirement corpus.

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Building a Secure Retirement in India

Retirement planning is perhaps the most important financial goal for every Indian. With increasing life expectancy (now 72+ years) and rising healthcare costs, you need a substantially larger corpus than previous generations. The key is to account for inflation — today’s ₹50,000 monthly expenses will become ₹1.6 lakh in 20 years at 6% inflation.

A robust retirement plan combines multiple pillars: EPF from your employer, voluntary PPF contributions for guaranteed tax-free returns, NPS for additional equity exposure and extra tax benefits, and equity mutual fund SIPs for wealth creation. Government schemes like PPF (7.1% tax-free) and SSY (8.2% for girl children) offer safety and attractive returns.

The retirement corpus formula accounts for your future monthly expenses, expected inflation, post-retirement investment returns, and the number of retirement years. Our calculator factors in all these variables to give you the exact monthly SIP needed to reach your goal. Start early — the difference between starting at 25 vs 35 can mean saving ₹15,000/month instead of ₹45,000/month for the same retirement corpus.

Frequently Asked Questions

How much corpus do I need to retire?

A common rule of thumb is 25-30x your annual expenses at retirement. If you expect ₹1 lakh monthly expenses at retirement, you need approximately ₹3-3.6 crore. Use our Retirement Calculator for a precise number based on your specific situation.

Is PPF better than mutual funds?

PPF offers guaranteed 7.1% tax-free returns with zero risk — ideal for the debt component of your portfolio. Mutual funds offer potentially higher returns (12-15%) but with market risk. A balanced approach uses both: PPF for stability and 80C deduction, and mutual funds for long-term wealth creation.

What is the SSY interest rate and eligibility?

Sukanya Samriddhi Yojana currently offers 8.2% interest (reviewed quarterly). It can be opened for a girl child below 10 years of age. You can invest ₹250 to ₹1.5 lakh per year. The account matures after 21 years from opening, and the entire maturity amount is tax-free.

Savings & Retirement Calculators — PPF, NPS, SSY & Retirement Planning