The Retirement Planning Formula
Retirement planning boils down to answering three questions: How much will you need? How much time do you have? How much should you save monthly?
Quick Retirement Math
If you spend ?50,000/month today and retire in 25 years with 6% inflation, you'll need approximately ?2.15 lakh/month at retirement. To sustain 25 years of retirement, you'll need a corpus of roughly ?4-5 Crore. A monthly SIP of ?25,000-30,000 in equity mutual funds can potentially build this corpus.
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Retirement Investment Strategy
20s-30s: Go Aggressive
80% equity, 20% debt. Start SIPs in diversified equity funds. Maximize EPF contribution. Open PPF and NPS accounts.
30s-40s: Stay Growth-Oriented
70% equity, 30% debt. Increase SIP amount with every salary hike. Diversify across large-cap, mid-cap, and international funds.
40s-50s: Start Balancing
50-60% equity, 40-50% debt. Add debt mutual funds and bonds. Review and optimize all investments. Clear all debts before 55.
50s-60: Protect & Preserve
30-40% equity, 60-70% debt. Build 3-year expense buffer in liquid funds. Plan withdrawal strategy. Consider annuity for portion of corpus.
Common Retirement Planning Mistakes
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