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NRI & International · India / home country

NRI Return-to-India Retirement Calculator

Estimate the corpus and monthly savings needed to retire in India, allowing for living-cost inflation and entered investment tax.

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Scope: Planning model with monthly inflation-linked withdrawals, constant returns and effective investment tax. This is not a probability-of-success simulation.

Timeline

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Assumptions

Result

Estimate

Retirement target with inflation and end-of-month saving before retirement.

Required retirement corpus₹8,85,68,648.86
Projected existing savings₹5,17,53,577.61
Corpus shortfall₹3,68,15,071.25
Monthly saving until retirement₹63,960.72
First retirement-month expense₹2,56,570.84

Retirement drawdown from the required corpus

Age at year startOpening corpusExpensesNet growthClosing corpus
60₹8,85,68,648.86₹31,62,627.70₹54,73,870.55₹9,08,79,891.71
61₹9,08,79,891.71₹33,52,385.37₹56,13,121.59₹9,31,40,627.94
62₹9,31,40,627.94₹35,53,528.49₹57,48,809.28₹9,53,35,908.74
63₹9,53,35,908.74₹37,66,740.20₹58,79,968.96₹9,74,49,137.49
64₹9,74,49,137.49₹39,92,744.61₹60,05,530.77₹9,94,61,923.65
65₹9,94,61,923.65₹42,32,309.29₹61,24,310.40₹10,13,53,924.77
66₹10,13,53,924.77₹44,86,247.84₹62,34,999.03₹10,31,02,675.96
67₹10,31,02,675.96₹47,55,422.71₹63,36,152.46₹10,46,83,405.70
68₹10,46,83,405.70₹50,40,748.08₹64,26,179.46₹10,60,68,837.09
69₹10,60,68,837.09₹53,43,192.96₹65,03,329.14₹10,72,28,973.27
70₹10,72,28,973.27₹56,63,784.54₹65,65,677.26₹10,81,30,865.99
71₹10,81,30,865.99₹60,03,611.61₹66,11,111.62₹10,87,38,365.99
72₹10,87,38,365.99₹63,63,828.31₹66,37,316.14₹10,90,11,853.83
73₹10,90,11,853.83₹67,45,658.01₹66,41,753.82₹10,89,07,949.64
74₹10,89,07,949.64₹71,50,397.49₹66,21,648.28₹10,83,79,200.43
75₹10,83,79,200.43₹75,79,421.33₹65,73,963.92₹10,73,73,743.02
76₹10,73,73,743.02₹80,34,186.61₹64,95,384.56₹10,58,34,940.97
77₹10,58,34,940.97₹85,16,237.81₹63,82,290.36₹10,37,00,993.52
78₹10,37,00,993.52₹90,27,212.08₹62,30,733.02₹10,09,04,514.46
79₹10,09,04,514.46₹95,68,844.81₹60,36,409.06₹9,73,72,078.71
80₹9,73,72,078.71₹1,01,42,975.49₹57,94,631.09₹9,30,23,734.31
81₹9,30,23,734.31₹1,07,51,554.02₹55,00,296.80₹8,77,72,477.08
82₹8,77,72,477.08₹1,13,96,647.26₹51,47,855.69₹8,15,23,685.50
83₹8,15,23,685.50₹1,20,80,446.10₹47,31,273.19₹7,41,74,512.59
84₹7,41,74,512.59₹1,28,05,272.87₹42,43,992.16₹6,56,13,231.89
85₹6,56,13,231.89₹1,35,73,589.24₹36,78,891.35₹5,57,18,534.00
86₹5,57,18,534.00₹1,43,88,004.59₹30,28,240.85₹4,43,58,770.25
87₹4,43,58,770.25₹1,52,51,284.87₹22,83,654.12₹3,13,91,139.50
88₹3,13,91,139.50₹1,61,66,361.96₹14,36,036.48₹1,66,60,814.02
89₹1,66,60,814.02₹1,71,36,343.68₹4,75,529.66₹0.00

Assumptions & scope

  • Planning model with monthly inflation-linked withdrawals, constant returns and effective investment tax. This is not a probability-of-success simulation.
  • Withdrawals occur at the start of each retirement month. Returns and inflation are constant assumptions, not forecasts. No pension, inheritance, terminal reserve or medical shock is included; add these to expenses or savings. Effective investment tax is applied to assumed positive annual growth.

Disclaimer: Computed to the best of our knowledge, as per the laws, rules and official guidance of the country stated on this page in force on the date this website was last deployed (2 Oct 2026). Results are estimates for planning only and are not tax, legal, employment or investment advice. Please verify with the official sources listed, or a qualified professional, before relying on them. Rates and limits last reviewed on 1 Oct 2026.

How to use the NRI Return-to-India Retirement Calculator

  1. 1

    Enter your own amounts, dates and verified eligibility facts. Sample values illustrate the calculation only.

  2. 2

    Check the breakdown and assumptions. Resolve any review-required items before using the result.

  3. 3

    Download the Figment PDF to retain the inputs, calculation, sources and scope.

How the calculation works

Retirement-month expense = current monthly expense × (1 + annual inflation)^(years to retirement).

Required corpus = present value of monthly beginning-of-month expenses through the planning age.

Required monthly saving = positive corpus gap ÷ end-of-month accumulation factor.

Planning model with monthly inflation-linked withdrawals, constant returns and effective investment tax. This is not a probability-of-success simulation.

Worked example

  • Retiring now with ₹50,000 monthly expenses, no inflation and no return for 20 years requires ₹1.20 crore before other reserves.
  • With ₹20 lakh already saved, the immediate shortfall is ₹1 crore.

What this tool covers

Planning model with monthly inflation-linked withdrawals, constant returns and effective investment tax. This is not a probability-of-success simulation.

Using the result

Keep underlying bank statements, travel records, contracts or invoices with the PDF, as applicable. Recalculate when the facts or assumptions change. A modelled result is not a filing, legal opinion or guarantee.

Frequently Asked Questions

No. Add a reserve to your expense or savings assumptions and consider stress scenarios.