Retirement Corpus Calculator India
Know exactly how much you need to retire comfortably in India
This calculator uses your current monthly household expenses, your planned retirement age, and the number of post-retirement years you want to fund. It then applies the power of compounding to show you: the inflation-adjusted corpus you'll need, the monthly SIP required to reach it, and the lump-sum amount you should invest today — all in under 30 seconds.
Most Indian financial planners recommend targeting 25× to 30× your annual expenses as a retirement corpus. This calculator starts with that framework and adjusts for inflation at 6% per year — the long-run average for India.
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How this calculator works
The calculator applies two key financial concepts: inflation adjustment and compound interest. First, it takes your goal's cost in today's money and inflates it to the future year using the inflation rate you specify (or a sensible default for your goal type). This gives you the "future rupees" target — the actual amount you'll need to pay in the future.
Then it uses the PMT formula (standard financial planning math) to calculate the monthly SIP needed to accumulate that future target, assuming your investments grow at the expected return rate. It also shows the lump-sum amount you'd need to invest today (the present value at that same return rate) as an alternative to SIP.
All calculations are in nominal (future) rupees, not real (today's) rupees. This is the correct way to plan — you need to save enough future rupees to pay the future price, not today's price.
Frequently Asked Questions
A simple rule is 25× your annual expenses (the '25x rule'). If your household spends ₹60,000/month today, that's ₹7.2L/year, so you need ₹1.8 crore in today's money — but accounting for 6% inflation over 25 years, the actual corpus target becomes ₹7–8 crore. Use this calculator to get a number specific to your situation.
For most urban families, no. ₹1 crore at 6% annual withdrawal gives you ₹6L/year (₹50,000/month) — and that money runs out in about 20 years without growth. Factor in healthcare inflation of 12–14% and the real number you need is likely ₹3–5 crore for comfortable retirement in a metro city.
Financial planners typically use 4–5% as a safe withdrawal rate in India, meaning you can withdraw 4–5% of your corpus annually without running out of money over a 25–30 year retirement. At 4%, a ₹5 crore corpus gives you ₹20L/year (₹1.67L/month) in today's money.
It depends on your timeline. Starting at age 30 with a 30-year horizon, you might need ₹8,000–15,000/month via SIP in equity mutual funds to build a ₹3–5 crore corpus. Starting at 40, the same goal requires ₹30,000–50,000/month. Use the calculator above to get your personalised SIP amount.
Absolutely — this is the most common mistake. A basket of goods costing ₹1L today will cost ₹3.2L in 20 years at 6% inflation. Always calculate your retirement corpus in 'future rupees', not today's money. This calculator does that automatically.
Equity-oriented funds (large-cap, flexicap, or index funds) have historically delivered 12–14% CAGR over 15+ year horizons in India — higher than the 10–12% used in most conservative calculators. For the last 5–7 years before retirement, gradually shift to hybrid or debt funds to reduce sequence-of-returns risk. NPS (National Pension System) also offers tax benefits under Section 80CCD.