Retirement calculators

Retirement planning runs backwards from the rest of finance: you start with the income you want in retirement, adjust it for the decades of inflation between now and then, and only then work out what you need to set aside.

Inflation is what makes this counterintuitive. An expense of ₹50,000 a month today is a much larger number thirty years out, so a corpus that looks generous in today's rupees often is not.