Free NRI Retirement Calculator
Retire in India Calculator
for NRIs
Enter your savings, city, and spend — and see exactly how long your money lasts in India. Accounts for rupee depreciation, Indian inflation, and 401k penalties.
Published March 2026 · Last updated March 2026
How this NRI FIRE calculator works
Most retirement calculators are built for US or UK users and get the India math badly wrong. This one is built specifically for NRIs planning a return.
It runs in two phases:
- Starting corpus: Your current savings converted to INR at today's exchange rate. Drawdown begins immediately from your current age.
- Phase 2 — Post-return drawdown: From the day you move to India, your corpus grows at the same return rate but annual expenses are withdrawn each year. Expenses inflate at India's rate (~6%) every year.
This two-phase model is why the result is so different from a simple "corpus ÷ expenses" calculation — the growth-before-return phase can dramatically increase your effective corpus.
FIRE (Equity) vs Conservative (FD) — which to choose?
The two strategies reflect very different approaches to investing your corpus in India:
- FIRE · Equity (~10% return): A mix of Indian equity mutual funds, international funds, and some debt. Historically Nifty has returned 12–14% nominal; blended with debt, 10% is a reasonable long-run assumption. This is the classic FIRE approach — a 4% withdrawal rate is generally sustainable over 30 years at this return.
- Conservative · FD (~7% return): Heavily weighted toward fixed deposits, RBI bonds, or Senior Citizen Savings Scheme. More predictable, no market volatility. But with 6% inflation, your real return is only ~1% — meaning your corpus barely grows in real terms and a lower withdrawal rate is needed to make it last.
The withdrawal rate shown in the results is your first year's expenses ÷ corpus at return. A rate under 4% is generally considered safe for a 30-year retirement on an equity portfolio. For FD-heavy allocation, aim for under 3%.