Return-to-India Retirement Calculator
Model your move home. Calculate the corpus you'll need — in Indian rupees, at your return date — vs what you're on track to accumulate, and the monthly gap you need to close.
Your plan
Progress to target
100.0%You're on track — projected corpus exceeds your target by ₹41,60,36,137.
At-a-glance
Building your India retirement corpus means regular transfers home. Wise's low fees compound in your favour over years of remittances.
How the model works
The calculator inflates your current India-cost-of-living expenses to your retirement year at your chosen inflation rate, applies a metro/tier city multiplier, then computes the corpus that would sustain those expenses under the safe-withdrawal rate you pick.
Separately it projects your current savings + monthly contributions in home currency to your return date at your pre-return investment return, then converts to INR using a depreciated future rupee rate. Any shortfall is expressed both as a lump sum and as the additional monthly saving needed to close it.
Educational tool — not investment advice
Calculations are based on the assumptions you provide. Tax rules are simplified and change frequently. Verify with a qualified Chartered Accountant or tax professional before acting. Past returns do not guarantee future results.