Retirement Planning Calculator
Work out the corpus you need at retirement to fund an inflation-linked lifestyle, and the monthly investment that gets you there from where you are today.
Corpus needed at 60
₹6,88,77,314
for 25 years of retirement
Monthly SIP needed
₹15,269
for the next 30 years
Your expenses will be
₹2,87,175
a month at age 60
Your existing ₹5,00,000 grows to ₹1,49,79,961 on its own. Adding ₹15,269 a month gets you to ₹6,88,77,314, enough to cover 25 years of inflation-linked spending.
The corpus assumes withdrawals rise with inflation every year while the remaining balance keeps earning the post-retirement return. Healthcare costs in later life often outrun general inflation, so treat this as a floor rather than a target.
How to use
- 1Enter your current age, target retirement age and life expectancy.
- 2Put in what you spend each month today — the calculator inflates it to your retirement year.
- 3Set your expected returns before and after retirement, and what you have saved so far.
- 4Read the corpus you need and the monthly SIP required to reach it.
Frequently Asked Questions
How much do I actually need to retire in India?
A common rule is 25 to 30 times your annual expenses at retirement. Someone spending ₹50,000 a month today and retiring in 30 years will need roughly ₹2.9 lakh a month by then at 6% inflation — which points to a corpus in the range of ₹8 to 10 crore. The calculator does this properly rather than by rule of thumb.
Why use a different return after retirement?
Because your portfolio should get more conservative as you stop earning. A 12% equity-heavy return is reasonable while accumulating; 7 to 8% from a debt-heavy mix is a safer assumption once you are drawing on it.
Does this include EPF, NPS and PPF?
Only if you enter them under what you have already saved. Add up your current EPF, PPF and NPS balances and enter the total — the calculator grows it at your pre-retirement return.
What if I cannot invest the required SIP?
You have four levers: start earlier, retire later, spend less in retirement, or accept a higher-risk portfolio. Raising the SIP a little every year (a step-up SIP) is usually the most realistic fix — it tracks your salary growth instead of demanding the full amount today.
Is the 4% withdrawal rule valid in India?
Not directly. That rule comes from US data with lower inflation. With Indian inflation at 6%, a safer starting withdrawal is around 3 to 3.5% of the corpus, rising with inflation each year.