Find your exact retirement corpus target. Enter age, expenses & lifestyle → get the SIP amount needed to retire comfortably.
₹50K/month expenses → need ₹2.1 Cr corpusInflation adjustedSIP amount shown
👤 Your Details
30 yr
60 yr
80 yr
Average Indian life expectancy is 72 years. Plan for 80-85 to be safe.
₹50K
Your current monthly household expenses including rent, food, bills, EMIs etc.
6%
India's avg inflation: 5-7%. Use 6% for balanced planning.
12%
Equity SIP avg: 12%. Conservative (FD/PPF): 7-8%.
7%
After retirement, move to safe FDs/PPF earning 7-8%.
Current PF balance + mutual funds + FDs etc.
🎯 Your Retirement Plan
Retirement Corpus You Need
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Monthly SIP Needed to Reach Goal
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Start today — delay costs more!
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Years to Retire
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Retirement Years
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Monthly Expense at Retirement
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Real Return (after inflation)
Current monthly expenses—
Monthly expenses at retirement—
Total retirement spending—
Existing savings will grow to—
Additional corpus needed—
📅 Your Retirement Timeline
Retirement Planning in India — Complete Guide
Most Indians retire without enough money. The average Indian saves only 3-4% of income for retirement, while financial experts recommend 15-20%. This calculator helps you see the exact gap and fix it.
The 25× Rule: Your retirement corpus should be 25× your annual expenses at retirement. If you need ₹6L/year at retirement → you need ₹1.5 Crore corpus. This ensures your money lasts 25-30 years drawing down at 4% annually.
Best retirement investment options in India: EPF/VPF (8.25% guaranteed), NPS (market-linked + ₹50K extra tax saving), PPF (7.1% tax-free), Equity SIP (12-15% long-term), Senior Citizen Savings Scheme (8.2% post-retirement).