Retirement Calculator
Retirement Corpus Calculator — India
Accounts for inflation, pre-retirement growth, post-retirement returns, and your existing savings
Fill in your details and click Calculate to see your retirement plan.
Inflation-Adjusted
Results account for India's average 6% inflation so your target corpus keeps its real purchasing power.
India-Focused
Displayed in Indian Rupees (₹) with lakhs/crores formatting, calibrated for Indian return assumptions.
Year-wise Projection
Expand the schedule to track exactly how your portfolio grows year by year toward your retirement target.
Understanding Retirement Planning
How Much Do You Need to Retire? A Complete Guide for Indian Investors
From corpus calculation to investment strategies — everything you need to plan your retirement in India
Retirement planning is the process of determining your retirement income goals and the actions needed to achieve them. In India, the shift from joint families and government pension schemes to nuclear households and private-sector employment has made personal retirement planning absolutely essential. Unlike earlier generations who could rely on employer pensions, most working Indians today must build their own retirement corpus through disciplined savings and investments.
The biggest challenge is inflation. India's average inflation has historically been around 6% per year, meaning the cost of living doubles roughly every 12 years. If you spend ₹50,000 per month today, you will need approximately ₹1.6 lakh per month after 20 years just to maintain the same standard of living. This calculator accounts for inflation automatically, ensuring your target corpus is realistic.
The calculation has two key steps: first, find how much corpus is needed at retirement; then, find the monthly SIP needed to reach that corpus.
Save 25 times your annual retirement expenses. For ₹60,000/month (₹7.2L/year) you need ₹1.8 Cr. This assumes a safe withdrawal rate of 4% per year.
Save 15% of your gross income every year throughout your working life. Starting at 25, this should build a sufficient nest egg by age 60 for most people.
Plan for retirement income equal to 70–80% of your pre-retirement income. Your expenses typically fall post-retirement (no EMIs, no children's expenses) but healthcare costs rise.
Historically returned 12–15% p.a. over the long run. Ideal for the accumulation phase if you are more than 10 years from retirement. ELSS funds also offer Section 80C tax benefits.
Government-backed scheme offering market-linked returns with an additional ₹50,000 tax deduction under Section 80CCD(1B). Mandatory annuity of 40% at maturity ensures lifetime income.
Employee Provident Fund (EPF) and Public Provident Fund (PPF) offer guaranteed ~7–8% returns with EEE tax status (exempt at all stages). Backbone of conservative retirement planning.
Rental income from property provides inflation-adjusted cash flow in retirement. REITs (Real Estate Investment Trusts) offer similar exposure without the hassle of property management.