Investment
Retirement Planner
Estimates the corpus needed at retirement to sustain a target monthly expense, and the SIP required today to reach it.
Your details
yrs
yrs
yrs
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Return after subtracting inflation, since retirement expenses keep rising too.
₹
Required corpus
₹5,38,35,167
Required monthly SIP
₹14,977
Your money needs to last 25 years after age 60, adjusted for 6% inflation. You need a corpus of ₹5,38,35,167 — investing ₹14,977/month from today closes the gap.
How this is calculated
Inflates current expense to retirement-year value, computes required corpus via the present-value-of-annuity formula against the post-retirement real return, then back-solves the monthly SIP needed to close any shortfall.
Want to understand this better?
How Much Do You Actually Need to Retire in India?
Frequently asked questions
How much corpus do I need to retire in India?
It depends entirely on your target monthly expense, inflation, and how many years your retirement needs to last — this calculator computes it from your actual numbers rather than a rule of thumb.
What inflation rate should I assume?
6% is a commonly used long-term average for India; healthcare and education costs often run higher.
What is a safe withdrawal rate in retirement?
The 'post-retirement real return' input approximates this — a lower number is more conservative.
How does this differ from the FIRE calculator?
This planner targets a traditional retirement age; the FIRE Calculator is built around retiring as early as possible on a leaner corpus.