Retirement Calculator
Plan your retirement corpus using the 4% rule, inflation and expected returns.
Last updated: August 2026
Corpus needed
₹8,61,52,368
25× annual expense at retirement
Monthly expense at retirement
₹2,87,175
In 30 years, after 6% inflation
SIP needed
₹14,364 per month
To close the gap at 12% expected return
Current savings value
₹3,59,49,641
At retirement, invested at expected return
Uses the 4% withdrawal rule: corpus = 25 × first-year expense. Returns and inflation are assumed constant. This is a planning estimate, not investment advice.
How it works
Corpus = 25 × annual expense at retirement (4% rule). Gap = corpus − FV of savings. SIP = gap × i ÷ ((1+i)ⁿ − 1).
Example: age 30, retire 60, ₹50k expenses → corpus ≈ ₹8.6 crore.
Frequently Asked Questions
How much money do I need to retire in India?
A common rule is 25 times your annual expense at retirement (the 4% rule). With ₹50,000 monthly expenses growing at 6% inflation, retiring in 30 years needs roughly ₹8.6 crore.
What is the 4% rule?
It says you can withdraw 4% of your corpus yearly without running out over 30 years, assuming the rest keeps earning returns. Corpus = annual expense × 25.
How much should I invest monthly for retirement?
The calculator works backwards: it takes your gap (corpus needed minus current savings growth) and finds the SIP required at your expected return rate.
What is the real return after inflation?
Real return ≈ nominal return − inflation. At 12% expected return with 6% inflation, your money really grows about 6% a year after costs.