Retirement Planner
Calculate the retirement corpus you need and the monthly SIP required to get there. Accounts for inflation, post-retirement returns, and life expectancy.
Your Details
💡 Pre-retirement: equity SIP ~12%. Post-retirement: conservative mix ~7%. Inflation: general ~6%, with healthcare buffer.
Retirement Plan
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Corpus Needed at Retirement
💡 How it works
Retirement Calculation
- 1) Inflate your current expenses to retirement year.
- 2) Calculate the corpus needed to sustain those expenses for 25+ years, earning post-retirement returns.
- 3) Work out the monthly SIP needed at pre-retirement return rate to build that corpus.
🎯 Key Assumptions
What to tune
- Add 20–30% buffer for healthcare costs
- Pre-retirement: aggressive equity SIP (12%)
- Post-retirement: shift to debt/hybrid (7%)
- Life expectancy 85+ is prudent for safety
📖 The 4% Rule
Withdrawal Strategy
- The popular 4% rule says you can withdraw 4% of your corpus annually (adjusted for inflation) and it should last 30+ years.
- This calculator uses a more precise annuity approach considering Indian inflation and returns.
Frequently Asked Questions
How much corpus do I need to retire in India?▾
It depends entirely on your lifestyle expenses. A rough estimate: if you spend ₹50K/month today and retire in 30 years at 6% inflation, you'll need ₹2.87L/month at retirement. To sustain this for 25 years, you may need ₹4–6 crore corpus.
When should I start planning for retirement?▾
As early as possible. Starting a ₹10K SIP at age 25 at 12% return gives ₹3.5 crore by 60. Starting the same at age 35 gives only ₹1 crore — that's 3.5× less for just a 10-year delay.
What is the FIRE movement?▾
FIRE (Financial Independence, Retire Early) aims to save 50–70% of income and invest aggressively to build 25× annual expenses corpus, allowing retirement in your 30s–40s. This calculator helps you plan for any retirement age.
Should I include EPF/PPF in retirement planning?▾
Yes! Your existing EPF/PPF/NPS savings reduce the corpus gap. Calculate your projected EPF at retirement and subtract it from the required corpus. The remaining gap is what you need from additional SIP investments.