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Rates for Oct–Dec 2026PPF 7.1%Sukanya 8.2%SCSS 8.2%NSC 7.7%KVP 7.5%MIS 7.4%RD 6.7%All rates and limits
CalcTortoise

Step-by-step guide

Will my money last after I retire?

Enter your age, expenses and savings. See whether your money lasts.

Written by the CalcTortoise editorial team · How we work

Your numbers

years

EPF, PPF, NPS, mutual funds, FDs kept for retirement.

Assumed: retire at 60, money to last to 85, 6.5% inflation, 13% return before, 11.5% after, saving raised 5% a year, no pension. Change
years
years

At 60 you are on track, with spare

₹31.93 lakh

Your money lasts until 85.

Needed at 60₹5.03 croreyou will have ₹5.35 croreOpen the calculator →
Expenses in the first month₹2,89,662₹60,000 today, at 6.5% inflation
Money lastsTo 85₹4.85 crore left overOpen the calculator →
Retire at 62 instead₹1.2 crore better₹1.52 crore to spare
Safe income from SCSS₹20,500 a monthfrom ₹30 lakh at 8.2%Open the calculator →
Why these numbers?
  • Each month’s expenses rise with inflation and come out of savings that keep earning 11.5% a year.
  • Working 2 more years gives savings longer to grow and fewer years to pay for.
  • SCSS pays 8.2% every quarter, set by the government.

Sources: SCSS rate and limits from the official India Post rates table and the Senior Citizens Savings Scheme, 2019.

Frequently asked questions

How much money do I need to retire?

Enough to pay your expenses, rising with prices, until the age you plan for. With ₹60,000 a month of expenses today, retiring at 60 and planning to 85, you need about ₹5.03 crore on the day you retire.

Why does inflation matter so much?

At 6.5% a year, ₹60,000 a month today becomes ₹2,89,662 a month by 60, and it keeps rising after you retire. A plan that ignores this runs short.

What if my savings fall short?

Save more, start a step-up, or work longer. In the example, retiring 2 years later improves the picture by ₹1.2 crore.

Is SCSS good for retirement income?

The Senior Citizens Savings Scheme pays 8.2% a year every quarter, backed by the government, on up to ₹30 lakh per person for 5 years (it can be extended). It suits the part of your savings you need as steady income.

Should I count EPF and NPS?

Yes. Add today’s EPF, PPF, NPS and other retirement savings to “Savings for retirement today”, and your monthly PF and NPS contributions to the monthly saving.

Calculators this guide uses

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Last updated 10 October 2026. For information only — not financial advice. Check the final figures with a financial adviser.