India calculator
Retirement Calculator India - 2025-2026
Our free retirement calculator helps you make informed financial decisions in India. Whether you are planning your budget, evaluating a loan, or projecting investment growth, our calculator provides accurate results based on India specific rates and regulations.
At a Glance
How much do I need to save for retirement in India?
A comfortable retirement in India requires approximately 30-40x your annual expenses. EPF, PPF (7.1% tax-free), NPS, and mutual funds are the primary vehicles. Use our retirement calculator for your personalized savings target.
Quick Answer
How much do I need to save for retirement in India?
In India, a comfortable retirement corpus target is 30-40x your annual expenses. Using EPF (12%+12% at 8.25%), PPF (₹1.5L/year at 7.1%), and NPS (additional ₹50k under 80CCD(1B)), a 30-year-old earning ₹12L/year can build approximately ₹3-4 crore by age 60 through disciplined saving. This provides approximately ₹15-20L/year in retirement. Our calculator accounts for EPF, PPF, NPS, and other Indian retirement vehicles to give you a comprehensive projection.
Retirement Savings Calculator
Projects retirement savings growth and determines if you are on track
Inputs
Results
Retirement Outlook
How to Use the Retirement Calculator
Follow these simple steps to get accurate results in just a few clicks.
- 1
Enter your current retirement savings
Input your total EPF balance, PPF balance, NPS Tier 1, mutual fund investments, and other retirement assets in ₹.
- 2
Set your monthly contributions
Enter your EPF contribution (12% of basic), any VPF, PPF annual deposit, NPS contribution, and mutual fund SIPs.
- 3
Include employer contributions
Your employer's EPF contribution (12% of basic, with 8.33% to EPS) and any NPS employer match (up to 14%) are added to projections.
- 4
Choose your retirement age
Select your target retirement age. EPF is accessible at 55-58. PPF matures at 15 years. NPS Tier 1 at 60.
- 5
View your retirement projection
See your total projected corpus, expected monthly pension from EPF/EPS, NPS annuity income, and total retirement income compared to your target.
Retirement Planning in India
Plan your retirement with confidence using our India-specific calculator. Factor in pension schemes, retirement age, life expectancy, and cost of living in India.
India Pension and Retirement
Understanding your retirement options in India is crucial. Our calculator accounts for state pensions, private superannuation, and tax-advantaged retirement accounts available to residents.
Compare Retirement Calculator
Last Updated: June 2026 — Reviewed Against Official Sources
Official Sources
India calculators use data from the following official government agencies:
- Income Tax Department — Income tax slabs, exemption limits, and deduction rules under the Income Tax Act.
- Data.gov.in — Open government data including economic indicators and demographic statistics.
- Ministry of Finance — Union Budget, fiscal policy, and GST rate notifications.
- Reserve Bank of India (RBI) — Repo rate, inflation data, and housing loan guidelines.
Methodology
Our India calculators use income tax slabs, GST rates, and contribution limits published by the Income Tax Department and the Ministry of Finance. Economic data is sourced from Data.gov.in and the Ministry of Statistics and Programme Implementation (MOSPI). All figures are for educational purposes and should be verified with a qualified chartered accountant.
Data Sources
All tax brackets, contribution rates, and economic data used in our calculators are sourced from the official government publications listed above. Rates are updated at least annually to reflect the latest tax year and regulatory changes. Users should verify critical figures with official sources or qualified professionals.
Last updated: June 2026. Information may change; always verify with official sources.