Retirement Corpus
See the corpus and monthly SIP you need to retire.
How this is calculated
We grow today's expense to your retirement year at your inflation rate, then size a corpus that can fund inflation-adjusted withdrawals for your retirement years using a post-retirement real return. Finally we back-solve the monthly SIP needed (after growing what you've already saved).
Why is the corpus so large?
Inflation compounds over decades — ₹50,000 today can cost several times more at retirement, and that higher amount must last 20–30 years.
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How your retirement number is calculated
The calculator works backwards from your life, in three steps. First it takes today’s monthly expenses and inflates them to your retirement age — at 6% inflation, ₹50,000 of monthly spending today becomes roughly ₹3.8 lakh a month 35 years from now. Then it sizes the corpus that can sustain those inflation-growing withdrawals through your retirement years, assuming your money keeps earning a post-retirement return. Finally it back-solves the monthly SIP that builds exactly that corpus in the years you have left, after counting growth on savings you already hold.
Why starting early is everything
Take one person who wants to retire at 60 with today’s expenses of ₹50,000 a month. Starting at 25, the required SIP works out to about ₹14,000 per month. The same person starting at 35 needs about ₹26,800 per month — nearly double, for the same retirement. Ten lost years cannot be bought back with a bigger cheque later; they can only be replaced by a much bigger cheque. Whatever your age, the cheapest retirement plan you will ever get is the one you start this month. Pair the number with a step-up SIP so it grows with your income.
Frequently asked questions
How big should my retirement corpus be?
Big enough that sustainable withdrawals cover your inflated living costs for 25–30 retirement years. The calculator inflates today's expenses to your retirement date and sizes the corpus from there.
What inflation rate should I assume?
India's long-run consumer inflation has averaged roughly 5–6%. Using 6% keeps the plan conservative; healthcare costs often rise faster, so avoid assuming less.
Is EPF/NPS enough for retirement?
For most salaried people EPF alone falls short of an inflation-adjusted corpus. Treat EPF/NPS as the base and fill the calculated gap with SIPs you control.
I am late to start — what now?
The calculator will show a bigger required SIP; close the gap with a higher savings rate, annual step-ups, and if needed a slightly later retirement age. Delaying the start further is the only real mistake.
These calculators provide estimates for educational purposes only and are not personalized investment advice. Mutual fund investments are subject to market risks.