Retirement Corpus Calculator
Calculate how much you need to retire comfortably in India.
yrs
yrs
₹
%
India avg: 5–7%
%
Equity: 12–15% | Balanced: 10%
₹
Retirement Corpus Needed
₹8,61,52,368
Based on 4% safe withdrawal rate
Future Monthly Expenses
₹2,87,175
At retirement
Current Savings Grown
₹1,49,79,961
After 30 years
Gap to Fill
₹7,11,72,407
Via new investments
Monthly SIP Needed
₹20,163
To fill the gap
About Retirement Planning in India
How much do you need to retire?
The standard rule is to save 25× your annual expenses (4% withdrawal rule). But in India, with higher inflation (6–7%) and longer expected lifespans, many advisors recommend 30–33× annual expenses. Factor in health costs — India has no universal healthcare.
Popular retirement investment options
NPS (National Pension System): tax-efficient, 10–11% historical returns
EPF/PPF: guaranteed returns, currently 8.15% / 7.1%
ELSS mutual funds: market-linked, potential 12–14%
Retirement plan (endowment): often poor returns — compare carefully
Senior Citizen Savings Scheme (SCSS): 8.2% — excellent for post-retirement
Retirement planning for different ages
Age 25–35: maximize equity, aim 20–30% of income toward retirement
Age 35–45: balance equity and debt, review goals
Age 45–55: shift toward safer instruments, reduce risk
Age 55+: capital preservation, focus on income-generating assets
🔒 All calculations happen in your browser — no data is sent to any server. Results are for informational purposes only.