Retirement Calculator
Find out how much you need to save monthly to retire comfortably. Accounts for inflation, expected returns, and life expectancy.
Required Corpus
₹8.62 Cr
Monthly SIP Needed
₹24,406
Retirement Summary
Your current monthly expense of ₹50,000 will become ₹2.87 L at retirement due to 6% inflation over 30 years. Start investing ₹24,406/month today to build the required corpus.
Retirement Calculator – Plan Your Retirement Corpus
How Much Do You Need for Retirement?
Retirement planning starts with one question: how much money will you need to maintain your lifestyle after you stop working? The answer depends on your current expenses, expected inflation, retirement age, and life expectancy. Most people underestimate their retirement needs by 30–50%.
A common rule of thumb: you need a retirement corpus of 25–30 times your annual expenses at retirement. If you expect to spend ₹6 lakh/year at retirement, you need ₹1.5–1.8 crore. But this is a rough estimate — our calculator gives you a precise number.
How Does the Retirement Calculator Work?
The calculator projects your future expenses by inflating current expenses at the expected inflation rate until retirement. It then calculates the corpus needed to sustain those expenses for your expected post-retirement life, factoring in investment returns on the corpus during retirement.
It also shows how much you need to invest monthly from now until retirement to build that corpus, given your expected investment return rate. This gives you a clear, actionable savings target.
The Inflation Threat in Retirement Planning
Inflation is the biggest enemy of retirement savings. Governments calculate it using CPI — a weighted basket of ~299 items tracked across cities and villages. At 5% inflation, expenses double every ~14 years (Rule of 72). If your current monthly expenses are ₹50,000, they'll be approximately ₹1,03,945 in 15 years and ₹2,16,097 in 30 years. Your retirement corpus must account for this erosion.
This is why our calculator includes inflation adjustment — showing both the nominal corpus needed and its real purchasing power. The exact formula for real value is: Real Value = Future Value / (1 + Inflation Rate)^Years. Without inflation adjustment, you risk building a corpus that looks large but falls short when you actually retire.
Building Your Retirement Corpus
Start early: A 25-year-old investing ₹10,000/month at 12% builds ₹5.9 crore by 60. Starting at 35, the same investment builds only ₹1.76 crore. The 10-year head start is worth ₹4.14 crore — that's the cost of delay.
Use a mix of equity (for growth), PPF/EPF (for stability and tax benefits), and NPS (for additional tax savings). Review and increase contributions annually. The key is consistency — even small increases compound dramatically over decades.
Frequently Asked Questions
As early as possible — ideally when you start earning. The power of compounding means that starting at 25 vs 35 can mean 2–3x more corpus at retirement, even with the same monthly investment. Time in the market beats timing the market.
A common guideline is 20–30% of your income. However, the exact amount depends on your retirement goals, current savings, and time horizon. Use our calculator to find your personalized target. The key is to start with whatever you can and increase gradually.
If you start late, you'll need to invest more aggressively. Consider: increasing your monthly investment, choosing higher-return (equity-oriented) investments, delaying retirement by a few years, reducing expected retirement expenses, and maximizing tax-advantaged options like NPS and PPF.
The 4% rule suggests withdrawing 4% of your retirement corpus in the first year, then adjusting for inflation each subsequent year. This strategy historically sustains a portfolio for 30+ years. For a ₹1.5 crore corpus, you can withdraw ₹6 lakh/year (₹50,000/month). However, this rule was designed for US markets — Indian retirees should consider 3–3.5% for greater safety.
Your primary residence should not be counted in the retirement corpus since you need it to live in. Rental property income can be part of retirement planning. When calculating your corpus, focus on financial assets (mutual funds, PPF, EPF, NPS) that generate regular income. Real estate is illiquid and hard to partially withdraw from.
Inflation is the biggest threat to retirement savings. At 5% inflation, your expenses double every ~14 years. ₹50,000/month expenses today will be approximately ₹1,03,000/month in 15 years and ₹2,16,000/month in 30 years. The exact formula for future expenses is: Future Expense = Current Expense × (1 + Inflation Rate)^Years. Your retirement corpus must generate this inflated income. Also remember: your personal inflation may differ from official CPI — if you spend heavily on healthcare or rent, your real inflation could be significantly higher.
In your 20s–30s: 70–80% equity, 20–30% debt (aggressive growth). In your 40s: 50–60% equity, 40–50% debt (balanced). In your 50s: 30–40% equity, 60–70% debt (conservative). At retirement: 20–30% equity, 70–80% debt (capital preservation). Gradually shift from growth to stability as retirement approaches.
Early retirement (FIRE — Financial Independence, Retire Early) is possible but requires aggressive saving (40–50% of income) and a much larger corpus. You'll need 30–35x annual expenses instead of 25x, and must account for health insurance (no employer coverage), longer retirement period, and no pension. It's achievable with disciplined investing over 10–15 years.
Critical. Medical expenses rise 12–15% annually in India — faster than general inflation. Without employer coverage, you need comprehensive health insurance (₹10–25 lakh cover) and a separate medical emergency fund. Premiums increase with age. Factor in ₹50,000–1,50,000/year for health insurance in your retirement budget.