Retirement Corpus Calculator — India (₹)

Calculate the exact retirement corpus you need to sustain your lifestyle. Accounts for inflation, life expectancy, post-retirement returns, and your existing savings.

👴 Your Retirement Plan
Expected from FD/Debt after retirement
Retirement Corpus Required
₹4,06,31,439
to sustain 25 years of retirement
Monthly SIP Required₹9,813/mo
Years to Retirement30 years
Inflation-Adj. Monthly Expenses₹2,87,175/mo
Existing Savings FV₹59,91,984
Additional Corpus Needed₹3,46,39,455
❓ FAQs
How much corpus do I need to retire in India?

A common rule is 25–30× your annual retirement expenses. With 6% inflation and expenses of ₹50,000/month today, you may need ₹2–5 crore depending on retirement age and life expectancy. Use this calculator with your actual numbers for a personalized figure.

What is the 4% rule for retirement?

The 4% rule says you can safely withdraw 4% of your portfolio annually without depleting it over 30 years. Corpus needed = Annual expenses × 25. For India with higher inflation (6–7%), consider targeting 30× annual expenses (3.33% withdrawal rate) for a larger safety margin.

How does inflation affect retirement planning?

Inflation is the biggest retirement risk. At 6% inflation, ₹50,000 today will cost ₹1,43,000 in 30 years to maintain the same lifestyle. Your retirement corpus must be invested in assets that grow faster than inflation — equity mutual funds historically returned 12–15% p.a. in India over long periods.

What should my post-retirement investment strategy be?

Post-retirement, shift to a conservative allocation: 60–70% in debt instruments (Senior Citizens Savings Scheme at 8.2%, RBI Bonds at 8%, FDs, liquid funds) and 30–40% in balanced/hybrid mutual funds to beat inflation. Avoid equity-heavy portfolios after retirement as sequence-of-returns risk becomes critical.

Should I include EPF and NPS in my retirement corpus calculation?

Yes. Include EPF (employee + employer contribution), NPS (Tier 1), PPF, and any pension plans as existing savings. This calculator lets you enter existing savings whose future value is projected to retirement date. An EPF corpus of ₹20L at age 35, growing at 8.25% for 25 years, reaches ₹1.5 crore by retirement.

What is Retirement Corpus Planning in India?

Retirement corpus planning is the process of estimating how much money you need to accumulate by the time you retire, such that your investments can sustain your lifestyle throughout your retirement years. Unlike a savings goal with a fixed end date, retirement planning is unique because the corpus must keep generating income for 20–30+ years post-retirement while accounting for inflation.

In India, the absence of a social security system means individuals must self-fund their retirement. The key inputs are: current monthly expenses, expected inflation (6–7%), planned retirement age (typically 58–60 for private sector), life expectancy (plan for 85+), and post-retirement investment return (7% from a conservative debt-heavy portfolio). This calculator combines all these factors using the Present Value of Annuity formula to give you the exact corpus needed.

How to Use This Retirement Corpus Calculator

  • Current & Retirement Age: The difference determines how many years you have to accumulate corpus. Starting at 25 vs 35 makes a dramatic difference — starting 10 years earlier requires roughly half the monthly SIP for the same goal.
  • Life Expectancy: Plan for at least 85–90 years. Medical advances mean many Indians will live longer than expected. Underestimating life expectancy is the biggest retirement planning mistake.
  • Monthly Expenses: Enter today's monthly expenses. The calculator inflation-adjusts them to retirement date automatically.
  • Pre-retire return: Expected return from your investment portfolio (equity-heavy pre-retirement). Use 10–12% for aggressive equity portfolios, 8–10% for balanced portfolios.
  • Post-retire return: Expected return after retirement (debt-heavy). Use 6–8% for a conservative portfolio of SCSS, RBI bonds, FDs, and debt funds.

Key Factors That Affect Your Retirement Corpus in India

  • Inflation: At 6% inflation, your ₹50,000/month expenses will be ₹2.87 lakh/month in 30 years. This is why the retirement corpus seems very large — it must sustain inflation-adjusted expenses for decades.
  • Starting age: Starting SIP at 25 vs 35 can reduce required monthly savings by 60% for the same retirement goal, due to compound interest working for 10 extra years.
  • EPF, NPS, and PPF: Don't overlook mandatory retirement savings. EPF at 8.25% for 30 years, NPS with employer contributions, and PPF at 7.1% can collectively build ₹2–5 crore — dramatically reducing the additional SIP needed.
  • Retirement age: Retiring at 55 vs 65 has a dual impact: fewer years to accumulate and more years the corpus must last. Each 5-year delay in retirement can reduce required SIP by 40–50%.

Tips to Build Your Retirement Corpus in India

  • Start early, even with small amounts: ₹5,000/month SIP starting at age 25 grows to ₹3.5 crore by age 60 at 12%. The same ₹5,000 starting at 35 yields only ₹1.1 crore. The 10-year difference triples the outcome.
  • Maximise NPS for additional tax benefits: NPS under 80CCD(2) allows employer contributions up to 10% of salary — completely tax-free. This is one of the most powerful, underutilised retirement savings tools in India.
  • Never withdraw EPF when changing jobs: Keep your EPF intact through UAN transfer. EPF compounding at 8.25% for 30 years is exceptionally powerful — a ₹5L balance at 30 grows to ₹56L by 60 without adding a single rupee.
  • Reassess every 5 years: Recalculate your retirement corpus requirement every 5 years as income, expenses, and goals change. Step up your SIP by 10–15% annually to keep pace with salary growth.

Disclaimer: Retirement corpus calculations are projections based on assumed inflation and return rates. Actual corpus requirements may differ. Consult a SEBI-registered investment advisor for personalised retirement planning.