Retirement Planner
Figure out the corpus you need and the monthly SIP that gets you there. Inflation-adjusted, India-specific.
Your profile
for 30 years at 12% p.a. to cover 25 years of retirement
Frequently asked questions
How much corpus do I need to retire in India?
+
Common guidance: 25–30× your annual post-retirement expenses. At ₹60,000/month today with 6% inflation and 30 years to retirement, you would need roughly ₹7–9 crore. The calculator does this exactly for your numbers.
What return should I assume after retirement?
+
Post-retirement, portfolios typically lean conservative — 7–9% is a reasonable assumption (mix of debt, equity, FD). Pre-retirement 10–12% (equity-heavy) is common for accumulation phase.
What is the 4% rule?
+
You can withdraw 4% of corpus in year one, inflation-adjusted thereafter, and last 30 years with high probability. In India, many planners suggest 3–3.5% given longer life expectancies and higher inflation.
Should I include EPF/NPS savings as current savings?
+
Yes — any retirement-earmarked investment (EPF, PPF, NPS, mutual funds) counts. The calculator grows them at the pre-retirement return rate.
Related calculators
Other tools that pair well with this one.