Retirement Calculator

Can you afford to retire today? Calculate your financial freedom number.

Picture a Tuesday that belongs to you. No calendar invite decides your morning. No number is doing quiet math in the back of your head while someone else is talking. You wake up, and the only question left is what you want to do with the day, not what you're allowed to do with it.

That's what the number below actually buys. Not a beach. Not a resignation letter. Time that's yours again.

Your monthly expense today

₹ per month

Total corpus required to retire today

₹4.65 Cr

₹4,64,51,613

Annual expense

₹12,00,000

Real return used

3.10%

Safety buffer added

₹77,41,935

Assumptions we've used

Portfolio at retirement

60% Equity / 40% Debt

Expected equity return

12% p.a.

Expected debt return

8% p.a.

Tax on gains

12.5%

Inflation

6% p.a.

Safety buffer

+20%

We've assumed a 60/40 equity-debt balanced portfolio at retirement — a mix built for steady income with some continued growth, not the higher-equity mix you might hold today.

SEE THE FULL WORKINGS

Annual expense₹12,00,000

Equity return, post-tax (12% − 12.5% tax)10.50%

Debt return, post-tax (8% − 12.5% tax)7.00%

Equity real return (post-tax − 6% inflation)4.50%

Debt real return (post-tax − 6% inflation)1.00%

Blended real return (60% × equity + 40% × debt)3.10%

Base corpus (annual expense ÷ blended return)₹3,87,09,677

+ 20% safety buffer₹77,41,935

Total corpus required₹4,64,51,613

This is an illustrative estimate based on the assumptions above, not investment advice. Actual returns, inflation, and tax rules will change over time.

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Important Note

This calculation gives a perpetual number — meaning your corpus is structured so it never exhausts. It does not take into consideration your present age or life expectancy.

That is true financial freedom. Not only for you, but for the generation after you.

KAUSHIK KAR, CFP® Structured financial planning for high-income professionals, HNIs, and NRIs.

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CONTACT [email protected] Mumbai, Maharashtra, India

Kaushik Kar, CFP® is an AMFI Registered Mutual Fund Distributor (ARN: 270609). Mutual fund investments are subject to market risks; read all scheme-related documents carefully. This website is for informational purposes only and does not constitute investment advice or a solicitation to buy or sell any security.