Skip to content
HQ8T

Retirement Calculator

Corpus needed to retire and the SIP to build it.

years
years
years
₹

What you'd spend a month in retirement, at today's prices.

% a year
% a year
% a year

Usually lower, as money moves to safer options.

₹

EPF, PPF, NPS, mutual funds kept for retirement.

Corpus needed at retirement
₹5,51,01,851
₹5.51 Crore
Monthly expenses at 60
₹2,29,740
Today's ₹40,000 after inflation
Monthly SIP needed from now
₹15,610
For 30 years

This corpus pays your expenses, rising with inflation every year, for 25 years of retirement, and runs out at age 85.

How to use

  1. 1Enter your age, retirement age and the age to plan until.
  2. 2Enter your monthly expenses at today's prices.
  3. 3Set inflation and expected returns before and after retiring.
  4. 4See the corpus you need and the monthly SIP to build it.

Frequently asked questions

How much money do I need to retire in India?

It depends on your expenses. For ₹40,000 a month today, retiring in 30 years at 6% inflation and planning until 85, you'd need about ₹5.5 crore. Enter your own numbers for your answer.

Why is the corpus so large?

Inflation raises your expenses every year, before and during retirement. At 6%, prices roughly double every 12 years.

What does “plan until age” mean?

The age your money should last until. Many planners use 85 or 90 to be safe, because people are living longer.

What should I count as current savings?

Money meant for retirement: EPF, PPF, NPS and mutual funds you won't use for other goals.

How is it calculated?

Expenses are grown with inflation to your retirement age. The corpus is what can pay those rising expenses each month until the plan-until age, earning the after-retirement return.

You may also need