Retirement Planner

A common rule of thumb is the 25x Rule — you need 25 times your annual expenses at retirement. For example, if you need ₹60,000/month (₹7.2L/year) in today's money, you need approximately ₹1.8 crore in today's terms — but with inflation, the actual corpus required will be much higher.

Use 10-12% for aggressive equity-heavy portfolios (100% equity), 8-9% for balanced portfolios (60% equity / 40% debt), and 6-7% for conservative debt-heavy portfolios. For long retirement horizons (20+ years), equity-heavy portfolios historically outperform inflation.

India's average CPI inflation has been 5-7% over the past decade. For conservative planning, use 6-7%. For healthcare expenses specifically, medical inflation in India has been 8-10% annually, so factor that in separately if you're a senior citizen.

The 4% rule says you can safely withdraw 4% of your corpus per year without running out of money for 30 years. For a ₹5 crore corpus, that is ₹20 lakh/year or ₹1.66 lakh/month. In the Indian context with higher inflation, a 3-3.5% withdrawal rate is often recommended.

Yes. EPF and PPF are guaranteed fixed-income instruments that form the debt portion of your retirement portfolio. Check your EPF balance on the EPFO member portal and add it to your total retirement savings — it reduces the additional SIP you need to invest.