Retirement
How to plan retirement in India
A simple framework: expenses, corpus, contributions, and stress tests—not product pitches.
8 min read · Updated August 2026
Four numbers to estimate
- Today’s monthly essential + lifestyle expenses
- Years until you stop earning (or reduce earning)
- Inflation assumption for expenses
- Withdrawal rate / years of retirement spending
Build the corpus target
A common illustration: annual retirement expenses ÷ withdrawal rate (for example 4% → multiply annual expenses by 25). Then work backwards to the SIP or savings rate required.
Layer accounts thoughtfully
EPF/PPF/NPS/taxable investments play different liquidity and tax roles. The mix is personal—calculators help size the gap; they do not choose products for you.
Related calculators
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Educational content from Aaru Wealth. Not investment, tax or legal advice.