Updated July 2026
Retirement Planning
Planning for retirement is about securing an inflation-adjusted monthly income after your salary stops. The key decisions involve estimating your target corpus, selecting tax-efficient pension instruments, and structuring safe withdrawals.
Featured Calculators
Featured Comparisons
Recommended Journey
- 1
Determine your retirement number
Use the FIRE calculator to estimate the total corpus you need based on your monthly expenses, expected returns, and inflation.
- 2
Compare retirement tools
Compare EPF, PPF, and NPS to decide where to allocate your monthly savings for optimal tax-free compounding.
- 3
Plan your payouts
Once you have accumulated a corpus, use the SWP calculator to structure a safe, inflation-adjusted monthly income stream.
Guides
Frequently Asked Questions
What is a safe withdrawal rate for retirement in India?
A safe withdrawal rate is the percentage of your corpus you can withdraw annually without running out of money. In India, due to higher inflation, a rate of 3% to 3.5% is generally recommended. For a ₹5 crore corpus, a 3% withdrawal rate yields ₹15 lakhs per year (₹1.25 lakhs per month).
How do EPF, PPF, and NPS compare for retirement planning?
EPF is mandatory for salaried employees and offers guaranteed returns. PPF is a voluntary tax-free savings scheme with a 15-year lock-in. NPS is a low-cost, market-linked pension scheme with a lock-in until age 60, offering additional tax benefits but requiring a 40% annuity purchase at retirement.
Related planning areas: