Retirement Calculator
How much corpus do you need at 60, and how much monthly SIP gets you there? Inflation-adjusted, with separate return assumptions before and after retirement.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
Inputs
Monthly expense at retirement
₹3,44,609
Corpus needed at retirement
₹9,17,12,957
Monthly SIP from today
₹32,405
The retirement math, simplified
Three numbers matter most: when you stop working, what you spend at that point (inflated), and how long the money has to last. This calculator inflates today's expense to retirement, computes the corpus that funds inflation-adjusted withdrawals for the rest of your life, then backs out the monthly SIP today.
India-specific notes
- Healthcare inflation runs ~10% — model a buffer for late-life medical.
- EPF + PPF + NPS often cover only half the requirement — equity SIPs do the rest.
- Annuities in India yield 6–6.5% — model post-retirement returns conservatively.
It is a useful US-style heuristic but assumes 4% safe withdrawal. Indian inflation + longer life expectancy push the multiple to 30–35×.
Yes — but stress test for healthcare, single-income shocks, and sequence-of-returns risk. Build a 24-month liquid buffer.