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Retirement Planning

Calculate the investment needed to build your retirement corpus.

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Retirement Planning
Calculate the investment needed to build your retirement corpus.
Current age
Years
Retirement age
Years
Current monthly expenses
₹
fifty thousandrupees
Inflation rate (%)
%
Post-retirement return (%)
%
Corpus needed at retirement
₹4,92,29,924
70%
returns
Invested
Returns
Years to retirement30 yrs
Monthly expenses then₹2.87 L
Corpus needed₹4.92 Cr
SIP needed now₹40.4K/mo
Start retirement SIP →

For illustration only. MF returns not guaranteed. Market risks apply.

⚠️ Disclaimer: Results are for illustration only. Mutual Fund investments subject to market risks. Assumed returns may not reflect actual performance. Read all scheme-related documents carefully. Not investment advice.
About this calculator

Retirement Planning — explained

The Retirement Planning Calculator is the most important financial tool a salaried Indian will use in their lifetime. It helps you estimate the retirement corpus you'll need to maintain your current lifestyle and the monthly SIP required today to build that corpus. The calculator accounts for inflation — so today's ₹50,000 monthly expense becomes far larger after 25–30 years — expected post-retirement investment returns, and your years remaining until retirement.

Whether you're starting retirement planning in your 20s or 30s, recalibrating in your 40s, or playing catch-up in your 50s, this free Indian retirement calculator gives you a clear, inflation-adjusted picture of what you need to invest each month. The earlier you start, the smaller the monthly SIP — a 30-year-old needs ~₹15,000/month for a ₹5 crore corpus, while a 40-year-old needs ~₹50,000/month for the same goal. Backed by AMFI Registered MFD Nithin Finserv, ARN: 307760.

What is the Retirement Planning?

Retirement planning is the process of estimating how much money you'll need to fund your lifestyle after you stop earning, and structuring a monthly investment plan to build that corpus during your working years. It accounts for inflation (which erodes purchasing power), longevity (Indians today live 75+ years on average), post-retirement asset returns, and existing retirement assets like EPF, NPS, PPF, and gratuity. Good retirement planning is the single most consequential financial decision most people make.

How it works — the formula

Step 1: Future monthly expense = Today's expense × (1 + inflation)^years_to_retire. Step 2: Corpus needed at retirement = Future monthly expense × 12 / post-retirement return rate (this assumes you live off the returns without depleting the corpus). Step 3: Required monthly SIP = Corpus × r / [(1 + r)^n − 1], where r is the monthly working-years return and n is the months until retirement.

How to use this calculator

  1. 1Enter your current age and planned retirement age
  2. 2Enter your current monthly household expenses in today's rupees
  3. 3Set the expected inflation rate — 6% is the long-term India CPI average; use 7% to be conservative
  4. 4Set the post-retirement return rate — 7% is conservative for a debt-heavy retiree portfolio
  5. 5Read the retirement corpus needed and the monthly SIP required today
  6. 6Adjust assumptions to test 'what-if' scenarios — earlier retirement, higher lifestyle, etc.

Key features

  • ✓Two-stage modelling: accumulation phase + post-retirement withdrawal phase
  • ✓Inflation-adjusted future expense calculation
  • ✓Shows both corpus needed and monthly SIP required today
  • ✓Works for any age, retirement age, and lifestyle level
  • ✓Mobile-friendly, no signup

Frequently asked questions

How much retirement corpus do I need in India?
Depends on lifestyle, inflation, and longevity. A common rule: 30× your annual expenses at retirement. For ₹6L annual expenses today, growing at 6% inflation over 30 years, you'd need ₹3.5–5 crores. Wealthier lifestyles need 5–10 crores.
When should I start retirement planning?
As early as possible — ideally in your 20s. A 25-year-old SIP at ₹10K/month builds a ₹6.4 crore corpus by 60 at 12% returns. The same target needs ~₹50K/month if you start at 40.
Does NPS count towards my retirement corpus?
Yes. Add your expected NPS maturity value to mutual fund SIPs, EPF, PPF, and gratuity balances to estimate total retirement readiness. NPS also offers an additional ₹50,000 deduction under Section 80CCD(1B) on top of 80C.
What inflation rate should I assume for retirement planning?
6% is the long-term India CPI average. Use 7% to be conservative — medical and education inflation often runs higher than headline CPI, and households retire with above-average healthcare needs.
Should I move my retirement corpus to FDs near retirement?
Gradually rebalance from equity to debt 5–7 years before retirement to reduce drawdown risk. Don't move 100% to FDs — you'll need some equity (20–30%) for inflation-beating returns across a 25–30 year retired life.
How long should my retirement corpus last?
Plan for life expectancy plus 5–10 years buffer. Indians today live 75+ on average, so a 60-year-old retiree should plan for 25–30 years of post-retirement life.
What is the 4% rule and does it apply in India?
The 4% rule says you can withdraw 4% of your corpus annually with low risk of running out in 30 years. In India, with higher inflation, the safer withdrawal rate is 3–3.5% — meaning you need a slightly larger corpus.
Can I retire early in India using FIRE?
Yes, but it requires aggressive savings (40–60% of income), inflation-adjusted lifestyle targeting, and a sizeable equity-heavy corpus. The retirement age in the calculator can be set lower (e.g., 45) to model FIRE scenarios.
Does the calculator account for medical expenses?
Indirectly — through inflation. Medical inflation runs higher than general CPI, so consider keeping a separate health-insurance plan and a ₹10–20L medical buffer in liquid assets outside the corpus.
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