Retirement Corpus Calculator

Find out how much you need to retire comfortably in India and the monthly SIP required to get there.

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Enter your details above to see how much you need to retire

How your retirement corpus is calculated

Retirement planning works in two stages: first we estimate how much money you will need on the day you retire, then we work out the monthly SIP you must invest today to reach that target.

Step 1 — Corpus Required
Corpus = E × [1 − ((1+g)/(1+r))^n] / (r − g)
Your current monthly expense is grown by inflation until retirement to get your first-year retirement expense. The corpus is the present value of an inflation-adjusted annuity, where E = first-year annual expense, r = post-retirement return, g = inflation, n = retirement years.
Step 2 — Monthly SIP Needed
SIP = Corpus × r / [((1+r)^m − 1) × (1+r)]
The corpus is treated as the maturity target of a SIP, where r = monthly pre-retirement return and m = months until retirement. This is the disciplined amount you need to invest every month from today.

Worked example

Suppose you are 30, plan to retire at 60, and your current monthly expenses are ₹50,000. With 6% inflation, a life expectancy of 85, 7% post-retirement returns and 12% pre-retirement returns:

Expense at 60

₹50,000/month grown at 6% for 30 years becomes about ₹2.87 lakh/month, or roughly ₹34.5 lakh per year.

Corpus needed

To fund 25 retirement years (60 to 85) with that inflating expense at a 7% return, you need a corpus of about ₹6.7 crore on retirement day.

SIP from today

To build ₹6.7 crore in 30 years at a 12% return, you would invest roughly ₹19,000 per month starting now.

Frequently asked questions

How much corpus do I need to retire in India?

It depends on your lifestyle, retirement age and life expectancy, but a common rule of thumb is 25–30 times your annual expenses at retirement. Because inflation roughly triples your expenses over 20–30 years, most urban Indians targeting a comfortable retirement need a corpus of several crore. Use the calculator above with your own numbers for a precise figure.

Why does the calculator inflate my current expenses?

A retirement plan must account for inflation. ₹50,000 today will buy far less in 30 years. At 6% inflation, monthly expenses of ₹50,000 grow to roughly ₹2.87 lakh by the time you retire, so your corpus must be large enough to sustain those higher future costs throughout retirement.

What return assumptions should I use?

Before retirement, an equity-heavy portfolio has historically returned around 12% per year over the long term, so 12% is a reasonable pre-retirement assumption. After retirement you typically shift to safer instruments (debt funds, FDs, SCSS, annuities), so a more conservative 7% post-retirement return is used. Adjust both to match your own risk profile.

Does this account for my existing savings or EPF?

No. This calculator estimates the total corpus needed and the fresh SIP required to build it from scratch. If you already have retirement savings, EPF, PPF or NPS balances, your required new SIP will be lower. Subtract the projected future value of existing investments from the required corpus before planning your SIP.

What is the 4% withdrawal rule?

The 4% rule suggests you can withdraw 4% of your corpus in the first year of retirement and adjust for inflation thereafter, with a low risk of running out over 30 years. This calculator uses a more detailed inflation-adjusted annuity method tied to your life expectancy, which is generally more accurate for Indian conditions where inflation is higher.

Should I increase my SIP every year?

Yes, if you can. A step-up SIP that rises 5–10% each year in line with your income makes it much easier to hit a large corpus and protects your plan against higher-than-expected inflation. The calculator shows a flat SIP, so treat its figure as a minimum baseline.