Retirement Calculator
Find out how much you need to retire and how much to save each month. Our Retirement Calculator accounts for inflation, expected returns, and your retirement lifestyle to give you a personalized retirement roadmap.
Corpus Needed at Retirement
₹4.55 Cr
Monthly Expenses at Retirement
₹2.87 L
Monthly SIP Required
₹13,022
Years to Retirement
30 years
Retirement Corpus Formula
Required Corpus = Annual Expenses at Retirement / (Return Rate - Inflation Rate) Monthly Savings Needed = (Corpus - Current Savings × (1+r)^n) / FV Annuity Factor
Examples
Retire at 60 with ₹50K/month expenses
Result: Required Corpus: ₹3.29 Crore | Monthly SIP: ₹5,200
Start investing early — at 30, just ₹5,200/month builds your retirement corpus.
Retire at 55
Result: Required Corpus: ₹7.74 Crore | Monthly SIP: ₹47,800
Retiring early requires a larger corpus and more aggressive savings.
Frequently Asked Questions
What is the 4% rule for retirement?
The 4% rule suggests you can withdraw 4% of your retirement corpus annually and it should last 30 years. So ₹1 crore corpus supports ₹4 lakh/year.
How much corpus do I need to retire in India?
A common rule of thumb is 25× your annual expenses. For ₹6 lakh/year expenses, you need ₹1.5 crore at a 4% withdrawal rate.