Retirement Planning

Back to All Planners
Tell us how much can you invest?
What is your current age?

At what age you want to retire?
years.
Expected life expectancy?
years.
Your current monthly household expenses?

So long you have saved Rs.
Expected Rate of inflation over the years (% per annum)
7.5%
Expected Rate of Return(%)
12.5%
What return you expect on your retirement corpus (% per annum)
12.5%
Your current monthly household expenses
Rs. 30,00,000
Your future monthly household expenses (Your monthly expenses will increase annually by %)
Rs. 29,84,533
Your current investment amount
Rs. 59,84,533
Future value of your current investments
Rs.
Future corpus amount needed to meet expenses
Rs. 29,84,533
Number of years you need to invest
Years
Lumpsum amount you need to invest
Rs. 59,84,533
SIP amount you need to invest
Rs. 59,84,533
Start Investing Now

Cash Flow After Retirement

What Is Retirement Planning?

Retirement planning refers to creating a financial roadmap to ensure you have enough money to cover expenses after you stop working. It includes:

  • Estimating the required retirement corpus
  • Selecting the best retirement plans
  • Allocating investments strategically
  • Managing inflation and healthcare risks
  • Ensuring a steady income post-retirement

With tools like SIP calculators, pension plans, and long-term investment portfolios, Eastern Financiers empowers Indian investors to make informed choices.

Why You Should Start a Retirement Plan Early

Handle medical costs with ease

As we age, medical bills often become unavoidable. With a retirement plan, you can manage these expenses smoothly without disturbing your savings.

Stay independent after retirement

A good retirement plan acts as your monthly income even after your job ends. It helps you continue your lifestyle without depending on anyone else.

Secure your family's future too

Your retirement income doesn't just support you-it allows you to help your loved ones whenever they need financial assistance.

Live your dream retirement

From travel and hobbies to passion projects, a retirement plan gives you the freedom to enjoy the things you always wanted to do after retiring.

How to Plan Retirement in India

Step 1: Assess your current financial situation

Monthly expenses, loans, income, and savings.

Step 2: Estimate your required retirement corpus

Consider inflation at 6-7% per year.

Step 3: Choose the best retirement plans

NPS, SIP, PPF, EPF, pension plans, etc.

Step 4: Invest regularly through SIPs

Equity SIPs are one of the most effective ways to build wealth long-term.

Step 5: Increase your investment annually

A 10-15% top-up can accelerate corpus growth.

Step 6: Review your retirement plan yearly

Adjust based on income, goals, or market conditions.

Step 7: Protect your retirement fund

Use term insurance, health insurance, and diversification.

How to Plan Retirement in India

A simple formula to estimate your retirement corpus:

Future Monthly Expenses × 12 × Number of Retirement Years

Most Indians require ₹1 crore - ₹5 crore, depending on lifestyle, health needs, and inflation.

Eastern Financiers offers retirement planning calculators and personalized guidance to give you a more accurate number.

Frequently Asked Question

What factors should I consider before choosing the best retirement plans?

Key factors include your current age, expected retirement age, monthly expenses, medical needs, inflation rate, and investment horizon. Evaluating these aspects helps you select the most suitable retirement plan aligned with your long-term goals.

How much money do I need for retirement planning in India?

The amount you need for retirement depends on lifestyle choices, healthcare needs, liabilities, and inflation. Most Indians aim to build a retirement corpus that covers at least 20-25 years of expenses after retirement. A retirement calculator helps estimate this amount accurately.

Can retirement planning help me maintain my current lifestyle after retirement?

Yes. A well-structured retirement planning strategy ensures a regular income after retirement so you can comfortably manage daily expenses, healthcare costs, hobbies, and personal goals without financial stress.

Are the best retirement plans suitable for both beginners and experienced investors?

Absolutely. Whether you're new to investing or experienced, retirement plans such as NPS, annuities, and mutual fund SIPs offer easy entry, flexible contributions, and long-term growth-making them ideal for all investor levels

How does Eastern Financiers help with retirement planning in India?

Eastern Financiers provides personalized retirement planning guidance, tools, and calculators to help you estimate your retirement needs and choose the best retirement plans. Their solutions make it easier to plan retirement confidently and systematically.

What is the rule of retirement planning?

Retirement planning relies on simple rules such as the 4% withdrawal rule, which helps decide how much you can safely withdraw each year, the 30× annual expenses rule to calculate your ideal retirement corpus, and the 100 minus age rule for asset allocation. These rules help structure investments and ensure long-term financial security.