📖 Why Retirement Planning Matters

Retirement planning is one of the most important financial goals yet the most overlooked. With increasing life expectancy and rising inflation, a well-planned retirement corpus is essential to maintain your lifestyle after you stop working.

Inflation erodes purchasing power over time. An expense of ₹40,000 today could become ₹2,30,000 per month after 30 years at 6% inflation. That's why your retirement corpus needs to be inflation-adjusted.

Our calculator considers your current lifestyle, years to retirement, inflation, and expected returns to give you a realistic target. It shows how much you need to save monthly and whether your current savings are on track.

For retirement, options include EPF, PPF, NPS, mutual funds, and pension plans. Diversify your investments across equity and debt based on your age. The 100-minus-age rule is a good starting point for equity allocation.