How much money do I need to retire in India?

Rule of thumb: 25× your annual expenses. If you spend ₹6L/year, corpus needed = ₹1.5 crore. Better: use the 4% rule — withdraw 4% annually from corpus. For ₹50,000/month income needed: ₹50,000 × 12 ÷ 0.04 = ₹1.5 crore target corpus.

How much SIP for retirement?

For ₹1 crore corpus in 20 years at 12% returns: need ₹10,000/month SIP. For ₹2 crore: ₹20,000/month. For ₹5 crore: ₹50,000/month. Starting early matters massively — ₹5,000/month at age 25 for 35 years = ₹3.5 crore vs ₹20,000/month at age 45 for 15 years = ₹1 crore.

What is a good age to start retirement planning?

Start at 25 — every decade of delay roughly doubles the monthly investment needed. At 25: ₹5,000/month → ₹3.5 crore at 60. At 35: ₹15,000/month → ₹3.5 crore at 60. At 45: ₹50,000/month → ₹3.5 crore at 60. Time is the most powerful factor.

🏖️ Retirement Planning — India 2026

Retirement Calculator India

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 corpus Inflation adjusted SIP amount shown

👤 Your Details

Current Age

30 yr

Retirement Age

60 yr

Life Expectancy

80 yr

Average Indian life expectancy is 72 years. Plan for 80-85 to be safe.

Current Monthly Expenses (₹)

₹50K

Your current monthly household expenses including rent, food, bills, EMIs etc.

Expected Inflation Rate (% p.a.)

India's avg inflation: 5-7%. Use 6% for balanced planning.

Expected Investment Return (% p.a.)

12%

Equity SIP avg: 12%. Conservative (FD/PPF): 7-8%.

Post-Retirement Return (% p.a.)

After retirement, move to safe FDs/PPF earning 7-8%.

Existing Savings / Investments (₹)

Current PF balance + mutual funds + FDs etc.

🎯 Your Retirement Plan

Retirement Corpus You Need

₹—

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Monthly SIP Needed to Reach Goal

₹—

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).