Income Replacement Ratio Calculator
Find out how much retirement income you need to replace your working income.
Desired Retirement Income
₹0/year
Current Income
₹12,00,000/year
Income Reduction
₹12,00,000/year
This is the income gap retirement needs to fill
Get a personalised plan to hit this replacement ratio by your retirement date.
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What is an Income Replacement Ratio?
An income replacement ratio is the percentage of your pre-retirement income that your retirement income needs to replace to maintain a similar standard of living — commonly cited as 70-80%, since expenses like commuting, work clothes, and retirement savings itself typically disappear or reduce after you stop working.
The desired retirement income figure this calculator produces is the annual expense number you would use in a retirement corpus or FIRE number calculator to work out the actual investment corpus needed.