How much corpus do I need to retire in India?

A common planning rule is 25 to 30 times the yearly expenses you expect in your first retirement year, after inflation. A household spending ₹50,000 a month today, retiring in 25 years at 6% inflation, would spend about ₹2.15 lakh a month then, so roughly ₹6.5 crore to ₹7.7 crore.

What withdrawal rate does the plan assume after retirement?

The calculator builds the corpus; the SWP calculator tests the withdrawal. A starting withdrawal of 4% to 6% of the corpus a year, rising with inflation and reviewed annually, is the usual planning band.

How do EPF, PPF and NPS fit in?

They are part of the corpus. Estimate what each will be worth at retirement, subtract that from the target, and fund the rest through SIPs. NPS adds a mandatory annuity on 40% of its corpus at exit, which reduces the SWP you need.

What if I retire at 55 instead of 60?

Five fewer years of SIPs and compounding, and five more years of withdrawals; both push the monthly SIP up sharply. Run the calculator with the shorter horizon and a larger corpus.

What return should I assume before and after retirement?

Before retirement, an equity-heavy mix is often planned at 10% to 12%; after it, a more conservative mix at 7% to 8%. Both are assumptions, not promises. Plan on the lower end.

I have no pension. Can mutual funds pay me a monthly income?

Yes, through a systematic withdrawal plan: a fixed amount paid to your bank account every month from the corpus, with only the gain portion taxed. Many retirees combine an SWP with fixed deposits, RBI bonds and NPS annuity income.

Financial calculatorsRetirement Calculator

Retirement Calculator

Find the retirement corpus you need and the monthly SIP to reach it.

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Target corpus at retirement₹3 CrTime period30 yrExpected return (p.a.)12%

Target amount: ₹3 Cr
Monthly SIP needed: ₹8,499
Or lumpsum today: ₹10.01 L

Invested amount₹30.6 L 10%
Est. returns₹2.69 Cr 90%

Illustration at the rate you set, not a forecast. Mutual fund investments are subject to market risks; read all scheme related documents carefully.

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How this calculator works

Set the corpus you want on the day you retire, the years to go and an assumed yearly return. The calculator shows the monthly SIP, or the one-time amount, that builds that corpus in time. Start from the retirement goal page if you want help sizing the corpus from today's expenses and inflation.

What is a retirement calculator?

A retirement calculator finds the monthly SIP, or the one-time amount, that builds a chosen retirement corpus by a chosen date at an assumed return. Set the corpus you want on the day you retire and the years to go; it shows what to invest each month from now.

How is it calculated?

SIP = Corpus ÷ [((1 + i)^n − 1) / i × (1 + i)]

i is the monthly rate: the assumed yearly return divided by 12
n is the months to retirement: years × 12

Sizing the corpus

01Start from today's monthly expenses, remove what stops at retirement (EMIs, school fees) and add what grows (healthcare).
02Inflate that figure to the retirement year at 6%, then multiply the yearly amount by 25 to 30.
03Subtract what EPF, PPF, NPS and any pension will provide; the calculator funds the gap.

₹3 crore in 30 years

Target corpus	₹3,00,00,000
Years to retirement	30
Assumed return	12% a year
Monthly SIP needed	about ₹8,500
At 10% instead	about ₹13,160
With only 20 years	about ₹30,000

Illustration only. Starting ten years earlier cuts the monthly amount to under a third.

Questions people ask

A common planning rule is 25 to 30 times the yearly expenses you expect in your first retirement year, after inflation. A household spending ₹50,000 a month today, retiring in 25 years at 6% inflation, would spend about ₹2.15 lakh a month then, so roughly ₹6.5 crore to ₹7.7 crore.
The calculator builds the corpus; the SWP calculator tests the withdrawal. A starting withdrawal of 4% to 6% of the corpus a year, rising with inflation and reviewed annually, is the usual planning band.
They are part of the corpus. Estimate what each will be worth at retirement, subtract that from the target, and fund the rest through SIPs. NPS adds a mandatory annuity on 40% of its corpus at exit, which reduces the SWP you need.
Five fewer years of SIPs and compounding, and five more years of withdrawals; both push the monthly SIP up sharply. Run the calculator with the shorter horizon and a larger corpus.
Before retirement, an equity-heavy mix is often planned at 10% to 12%; after it, a more conservative mix at 7% to 8%. Both are assumptions, not promises. Plan on the lower end.
Yes, through a systematic withdrawal plan: a fixed amount paid to your bank account every month from the corpus, with only the gain portion taxed. Many retirees combine an SWP with fixed deposits, RBI bonds and NPS annuity income.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Figures are illustrations at an assumed rate, not a forecast. Talk to us to match a plan to your goals.