Retirement planning fails on inflation. A monthly expense that looks comfortable today needs several times the number in thirty years, and the corpus has to be sized against the future figure.
SIP-style monthly investment with inflation-adjusted real return.
Note. Projections depend entirely on the inflation and return assumptions you enter.
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Start from your current monthly expenses.
Inflate them to your retirement date at an assumed inflation rate.
Multiply by the number of years the corpus must last, adjusted for post-retirement returns.
Work backwards to the monthly saving needed at an assumed rate of return.
₹50,000 of monthly expenses today, inflated at 6% over 25 years, becomes roughly ₹2.15 lakh a month at retirement — which is the figure the corpus has to fund.
A common rule of thumb is 25–30 times your annual expenses at retirement, but that depends on longevity, healthcare and whether you have a pension or rental income.
Yes. Include your EPF, NPS, PPF and other retirement assets in the corpus you are building toward.
Garuda HR looks after payroll, attendance, leave and statutory compliance for Indian teams — the same arithmetic, run for you every month, with a full audit trail. We would be glad to show you around.