Savings retirement calculators in brief: Calculate guaranteed monthly income from a Post Office Monthly Income Scheme deposit at 7.4%.
Savings & Retirement Calculators
Secure your future with government-backed schemes and smart retirement planning. Calculate PPF, NPS, SSY returns and build your retirement corpus.
PPF Calculator
Calculate Public Provident Fund maturity with annual compounding. 15-year lock-in, EEE tax benefit.
Post Office MIS Calculator
Calculate guaranteed monthly income from a Post Office Monthly Income Scheme deposit at 7.4%.
NPS Calculator
Estimate NPS corpus and monthly pension at retirement. Extra ₹50,000 deduction under 80CCD(1B).
Sukanya Samriddhi Calculator
Plan your daughter’s future with SSY. Highest government-backed interest rate with full tax exemption.
Retirement Calculator
Calculate the corpus needed for a comfortable retirement. Factor in inflation, pension, and existing savings.
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: Key Takeaways
Key points on savings retirement calculators:
- Secure your future with government-backed schemes and smart retirement planning.
- Retirement planning is perhaps the most important financial goal for every Indian.
- Bookmark this savings retirement calculators resource, then explore our SIP calculator , tax calculator and FD rates comparison to apply it.
Verify the latest savings retirement calculators figures with RBI before you act.
Explore our SIP calculator, tax calculator and FD rates guide to apply Savings & Retirement Calculators to your own numbers, and revisit Savings & Retirement Calculators each year.
Savings Retirement Calculators: Using This Savings Retirement Calculators Page
This savings retirement calculators page is updated for 2026. Bookmark this savings retirement calculators resource, then explore our SIP calculator, tax calculator and FD rates comparison to apply it. For official rules refer to the Reserve Bank of India website.