Verify the feasibility and ROI for your plan to 15 15 15 Rule Calculator - Expert Tool
Plan your golden years with our 15 15 15 Rule Calculator. Account for inflation, healthcare costs, and tax-efficient withdrawal strategies in India. Ensure your corpus lasts a lifetime.
Real-World Scenarios
Withdrawing ₹8L/year from a 2Cr corpus at 4% is considered safe against market fluctuations.
A ₹50k lifestyle today will cost ₹1.1L in 12 years if inflation stays at 6%. Adjust your corpus target accordingly.
Professional Strategy Insights
- Don₹t keep 100% in FDs after retirement. Inflation will erode your purchasing power. Keep 20-30% in conservative equity for growth.
- Review your health insurance coverage every 3 years. Medical inflation in India is 12-14% annually.
Frequently Asked Questions
Is NPS better than EPF for retirement?
NPS offers higher equity exposure (up to 75%), which historically beats the 8% returns of EPF, though EPF is more stable.
How to reduce tax for senior citizens?
Seniors have a higher tax-free limit (₹3L or ₹5L for super-seniors) and can claim interest deduction up to ₹50k under Section 80TTB.
eCalcy Editorial Team
Verified ExpertFinance Research & Editorial Board, eCalcy
Financial Technology Specialists · RBI, SEBI & IRS Verified Calculators
Reviewed: April 2026
Every formula and editorial guide on eCalcy is reviewed by the eCalcy Editorial & Research Board and cross-referenced against RBI circulars, SEBI regulations, and the Income Tax Department guidelines. eCalcy is NOT a SEBI-registered investment advisor — all tools are educational planning aids only.
Explore More Financial Tools
Data-driven calculators for every financial goal