Financial Wellness Planner for employers and employees Book a walkthrough

Retirement calculator for Indian employees

Estimate how much you need by retirement age and what SIP may bridge the gap — accounting for inflation in Indian rupees.

Set retirement goal

EPF, NPS, and mutual funds together

Workplace literacy sessions cover pre-retirement cohorts → `/employers/financial-literacy-sessions`

EPF

Employer-employee contribution for many salaried workers. **NPS** — Additional voluntary tier with tax benefits. **Mutual fund SIPs** — Flexible supplement with SWP option post-retirement. → `/calculators/swp`

Key inputs for Indian retirement planning

Current age, retirement age (often 60), monthly expenses today, inflation assumption, existing corpus (EPF/NPS/MF), expected return on investments.

Sample retirement scenarios

Metro couple, age 35

₹80,000/month lifestyle today → model inflated need at 60

Single earner with parents

Higher medical buffer in corpus

Early retirement aspirant

Target age 50 with aggressive SIP — higher risk

Bridge the gap with SIP

Calculator output suggests monthly SIP — validate with `/calculators/sip` and assign retirement goal in investor app.

CTA: `.button-2` → "Workplace retirement campaign" → `/employers/engagement`

Frequently asked questions

Is ₹1 crore enough to retire in India?

Depends on city, lifestyle, and inflation. Calculator helps personalise — ₹1 crore may suffice in tier-2 with modest expenses, insufficient for long metro retirement alone.

Should I include EPF in calculator?

Yes, as existing corpus component — verify projected balance from EPFO passbook.

NPS vs mutual funds for retirement?

Many use both — NPS for structured pension, MFs for flexibility. Learn modules compare.

Can HR run retirement workshops?

Yes via Saventh literacy sessions at zero cost.

Free calculator?

Yes on saventh.com.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Saventh is an AMFI-registered mutual fund distributor (ARN 324457).

Saventh Investment is an AMFI Registered Mutual Fund Distributor.

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Saventh Investment makes no warranties or representations, express or implied, on products offered through the platform of Saventh Investment. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

AMFI Registered
ARN - 324457