Monthly saving needed
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Retirement Calculator
How much do I need to retire?
Find your retirement corpus and the monthly saving to reach it — adjusted for inflation.
You'll need a retirement corpus of
₹0
Your monthly expense at 60
₹0
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📊 How this figure is calculated
This calculator uses a realistic depletion model, not the simple "25× expenses" rule — so the corpus reflects your own return and lifespan assumptions:
- Your expenses at retirement. Your current monthly expense is grown by inflation for every year until you retire — so we know what your lifestyle will actually cost on day one of retirement.
- Withdrawals keep rising. After you retire, the amount you withdraw each month keeps increasing with inflation every year — because prices don't stop rising when you stop working.
- The remaining corpus keeps earning. The money you haven't withdrawn yet stays invested and earns your chosen post-retirement return (8–15%). This is what makes a smaller corpus last longer.
- It must last your full lifespan. The corpus is sized so it is drawn down to zero exactly at your chosen life expectancy (up to 90+) — funding every month in between.
- The monthly saving. We then calculate the SIP you need — at your pre-retirement return, over the years left until retirement — to build that corpus, after counting what you've already saved.
In finance terms, the required corpus is the present value at retirement of an inflation-growing monthly withdrawal, discounted at your post-retirement return, over your retirement years — a growing-annuity calculation. A higher post-retirement return means a smaller corpus is needed (your money works harder in retirement); a longer lifespan or higher inflation means you need more.
How much money do you need to retire in India?
Your retirement corpus is the amount you need saved by the time you stop working, so that your investments can fund your living expenses for the rest of your life. Rather than a rough "25 times expenses" rule, this calculator models it precisely: it assumes your corpus keeps earning a return after you retire while you withdraw a monthly income that rises with inflation, and sizes the corpus so it lasts until your chosen life expectancy. What costs ₹50,000 a month today could cost far more in 30 years, so your future corpus needs to be much larger than today's expenses suggest.
How this calculator works
It grows your current monthly expenses by inflation up to your retirement age to find what your lifestyle will cost then. It then calculates the corpus whose post-retirement returns and capital together can fund an inflation-rising monthly withdrawal for every year of retirement, right up to your life expectancy. Finally, it works out the monthly SIP needed — at your pre-retirement return, over the years left — to build that corpus, after counting what you've already saved.
Why starting early matters so much
Because of compounding, the earlier you start, the less you need to save each month. Someone who begins investing for retirement in their early 30s can end up with a far larger corpus than someone who starts in their 40s putting away the same amount — often more than double. The single most valuable retirement decision is simply to start.
How much money do I need to retire in India?
It depends on your expenses, inflation, how long you expect to live, and the return your corpus earns after retirement. Rather than a rough multiple, this calculator sizes the corpus so that — earning your chosen post-retirement return while you withdraw an inflation-rising income — it lasts exactly until your life expectancy.
When should I start saving for retirement?
As early as possible. Money invested in your 30s grows far more than the same amount started in your 40s, thanks to compounding. Starting ten years earlier can more than double your final corpus for the same monthly saving.
What is a safe withdrawal rate?
A commonly cited approach is withdrawing about 4% of your corpus in the first year of retirement, then adjusting for inflation. It aims to make your savings last for a long retirement, though the right rate depends on your age, life expectancy and the type of plan you choose.