Updated for

Retirement Calculator

Find out how big a retirement corpus you need — adjusted for inflation — and the exact monthly SIP it takes to get there. Plan your financial freedom in under a minute.

Results update live

Your Details

yr
yr
₹
₹5K₹5L
%
2%12%
%
%
yr
65 yr100 yr
₹
₹0₹2Cr

Retirement Corpus Required

₹0

to retire at 60 and last until 85

Monthly SIP needed from today

₹0

for 30 years at 12% expected return

Monthly expense at retirement

₹0

Post-retirement years

0

Corpus Breakdown

Corpus you need at retirement ₹0
Your current savings will grow to ₹0
Gap to fund with SIP ₹0
Existing savingsTo be invested

Start early — every year you delay sharply raises the SIP you need.

What Is a Retirement Calculator?

A retirement calculator answers the single most important money question of your life: how much do I need to stop working — and how much must I invest each month to get there?

It takes your current expenses, grows them with inflation to your retirement date, then works out the lump sum (your corpus) needed to fund that lifestyle for the rest of your life. Finally it converts that goal into a simple monthly SIP you can start today.

How Is the Corpus Calculated?

Three steps. First, grow today's expenses to retirement using inflation:

Expense at retirement = E × (1 + i)ᵞ

Then size the corpus as the present value of inflation-rising withdrawals over your retirement years, using the real return (post-retirement return adjusted for inflation):

Corpus = A × [1 − (1+r)⁻ᴾ] ÷ r × (1+r)

where A = annual expense at retirement, r = real return, P = post-retirement years. The monthly SIP is then derived from the standard future-value (SIP) formula for the years until you retire.

Example Calculation

A 30-year-old spends ₹40,000/month today, wants to retire at 60 and plan until 85. Inflation 6%, returns 12% before and 7% after retirement:

Expense at retirement ₹2.30L/mo
Corpus required at 60 ≈ ₹6.17 Cr
Monthly SIP needed ≈ ₹17,485

A ₹40K lifestyle today needs over ₹6 crore to sustain for 25 years after retirement — almost entirely because of inflation.

Why Retirement Planning Matters

  • →No salary, same bills — once your income stops, your corpus is your only paycheck for 20–30 years.
  • →Inflation doesn't retire — prices keep rising after you stop working, so your corpus must keep growing too.
  • →Starting early is everything — compounding means a delay of even 5 years can nearly double the monthly SIP you need.
  • →No safety net — most Indians have no pension; a self-built corpus is the only reliable path to a dignified retirement.
Read more: The complete retirement planning guide for India

Frequently Asked Questions

Common questions about retirement planning and corpus

How much money do I need to retire in India?
It depends on your expenses and age. A 30-year-old spending ₹40,000/month who retires at 60 needs roughly ₹6 crore — 6% inflation grows that expense to ~₹2.3 lakh/month by retirement, sustained for 25+ years. Use the calculator with your own numbers for an exact figure.
How is retirement corpus calculated?
Your current expense is grown to retirement with inflation, then the corpus is the present value of those inflation-rising withdrawals over your post-retirement years, discounted by the inflation-adjusted (real) return. The required monthly SIP is derived from the standard SIP future-value formula.
What is the 4% rule for retirement?
The 4% rule says you can withdraw 4% of your corpus in year one and adjust for inflation each year, with the corpus lasting ~30 years — implying a corpus of about 25× annual expenses. It's a useful check, but India's higher inflation makes a 3–3.5% withdrawal rate safer.
What return should I assume after retirement?
After retirement most people shift to safer assets, so 6–7% is a sensible post-retirement return. Before retirement, 10–12% is common with an equity-heavy portfolio. The gap between your return and inflation (the real return) decides how long your money lasts.
When should I start planning for retirement?
As early as possible. Thanks to compounding, starting at 25 instead of 35 can roughly halve the monthly investment needed for the same corpus. A small SIP started early beats a large SIP started late — the costliest retirement mistake is delay.
Does the calculator account for inflation?
Yes. It inflates your current expenses to your retirement date and uses a real (inflation-adjusted) return to size the corpus, so your purchasing power is protected. You can change the inflation assumption — see our Inflation Calculator to understand its impact.

Related Calculators

Inflation Calculator
Future value of money
SIP Calculator
Build your corpus
NPS Calculator
National Pension Scheme
PPF Calculator
Public Provident Fund