Find the corpus you need to retire comfortably and the monthly SIP to get there in time.
Corpus you'll need
₹4.55Cr
by age 60
Start investing monthly
₹12,893
for the next 30 years to reach your goal
Retirement planning is the most important financial calculation most people never make. This retirement calculator for India helps you estimate: how large a corpus you need to sustain your desired lifestyle after you stop working, accounting for inflation; and what monthly investment (SIP) is required from today to reach that target by your planned retirement age. The calculator accounts for India's typical inflation rates and lets you adjust all assumptions.
The calculation has two stages. First, we compute your inflation-adjusted annual expenses at retirement age:
Future Expenses = Current Expenses × (1 + inflation)^years_to_retire
Then we find the corpus needed to fund those expenses for your retirement horizon using the present value of an annuity formula, assuming a post-retirement return:
Corpus = Future Annual Expenses × [1 − (1+r)^−n] / r
Finally, the required monthly SIP to accumulate that corpus by retirement is calculated using the future value of an annuity formula.
It depends on your current age, planned retirement age, desired monthly expenses in retirement, and life expectancy. A common rule: you need a corpus 25× your annual expenses (the 4% withdrawal rule). For India, where inflation historically averages 5-6%, you may need 28-30× for a 30-year retirement.
For long-term equity-heavy portfolios, a 10-12% pre-retirement return and 6-8% post-retirement return (from a balanced portfolio) are reasonable assumptions. Always use conservative estimates for something as important as retirement.
As early as possible. Starting at 25 vs 35 roughly halves the required monthly investment for the same corpus, because money compounds for 10 extra years.
Not automatically. But you can enter your target corpus net of what EPF/NPS will provide, or set the calculator's 'current savings' to the current value of your EPF + NPS to get the remaining gap.
The post-retirement return assumption should ideally exceed inflation. A real return (return minus inflation) of 2-4% is a conservative assumption for a balanced post-retirement portfolio.
See how a monthly SIP compounds over time. Adjust amount, return and duration to project your mutual fund corpus.
OpenProject the future value of a one-time investment. Enter an amount, expected return and duration to see how it compounds.
OpenReverse SIP: enter a target like ₹1 crore and see the exact monthly SIP needed to reach it. The crorepati calculator.
Open