Retirement Calculator
Plan your retirement corpus using the 4% rule, inflation and expected returns. See how much you need to save monthly to retire comfortably.
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.
Last updated: July 2026
How this calculator is verified
Checked by True Calculator automated test suite on
- Formula verified against a published worked example in the automated test suite
- Edge cases (zero, negative, boundary and unit-mismatch inputs) covered by unit tests
The full verification method is on our how we verify page. Found an error? Tell us and we will re-check it.
When to Use This Calculator
Retirement planning in India has to fund a long, expensive period — often 25 to 35 years after stopping work — and this calculator converts your target lifestyle into a corpus and a monthly saving plan. It works backwards from the 4% rule: if you want ₹1,00,000 a month in retirement, the corpus must be around ₹3 crore, and the tool then shows what to save monthly from today at your assumed return. It is the planning tool for professionals without a guaranteed pension, for NPS contributors checking whether their contributions are enough, and for anyone who wants to see how starting five years earlier shrinks the required saving. Re-run it at every annual increment, since the answer changes as your income grows.
How to Use This Calculator
- Step 1: Enter the monthly expenses you expect at retirement in today's money.
- Step 2: Enter the years until retirement and the years you expect to live in retirement.
- Step 3: Enter the expected return before retirement and the inflation rate you want to assume.
- Step 4: Read the required corpus, which the tool derives from the 4% rule, and the monthly saving needed to reach it.
Worked Example
A 40-year-old in Delhi wants retirement spending power of ₹1,00,000 a month in today's money and plans to retire at 60. Enter 100000 as today's monthly expenses, 20 years to retirement, an expected return of 10% and inflation of 6%. The calculator inflates the expense to about ₹3,21,000 a month at retirement, so under the 4% rule the required corpus is about ₹9.62 crore. With ₹10 lakh already saved — growing to roughly ₹73 lakh by then — the gap is about ₹8.89 crore, needing roughly ₹1,17,000 of monthly SIP at 10% until retirement. Set inflation to 0 to see the difference: the corpus drops to ₹3 crore and the SIP to about ₹29,900, which shows how badly ignoring inflation understates the goal.
Tips and Common Mistakes
- •Tip 1: The 4% rule assumes you withdraw 4% of the corpus in the first retirement year, so a ₹3 crore corpus funds ₹12,00,000 of yearly spending.
- •Tip 2: Inflation shrinks purchasing power, so model expenses in today's rupees and let the calculator inflate them to retirement age.
- •Tip 3: The earlier you start, the more compounding does the work; a 25-year horizon needs far less monthly saving than a 15-year one.
- ✗Mistake 1: Entering returns and inflation that are close together, which flatters the result; use realistic long-term equity and inflation assumptions.
- ✗Mistake 2: Forgetting that retirement income from NPS or EPF is partly taxable, so the corpus may need to be larger than the 4% figure alone.
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.
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