Plan your retirement
Adjust to find your target corpus and SIP.
Target Retirement Corpus
₹8,61,52,368
based on 25x annual expenses at retirement
Monthly SIP Needed
₹24,406
Future Monthly Expense
₹2,87,175
Years to Invest
30 years
Return Rate
12%
Your Retirement Journey
30 years to grow your wealth
Starting early cuts your required SIP dramatically. Every year counts.
How much do you need
to retire comfortably?
Enter your current monthly expenses, age, retirement age, inflation, and expected return to instantly estimate your retirement corpus and required monthly SIP.
Step by step
How to use the Retirement Calculator
Enter monthly expenses
Type your current monthly household expenses. This is the lifestyle you want to maintain in retirement.
Add your age details
Enter your current age and the age at which you want to retire.
Set inflation & returns
Enter an inflation rate (typically 6%) and expected investment return (10–12% for equity).
Get your retirement number
See your inflation-adjusted retirement corpus and the monthly SIP needed to reach it.
Why use this calculator?
Find your FIRE number
The calculator uses the 25x rule — you need 25 times your annual retirement expenses saved to retire safely. See your exact number.
Start early, invest less
See dramatically how starting at 25 vs 35 changes the required monthly SIP. The earlier you start, the less you need to invest per month.
Stress test your plan
Run the calculator at 6% inflation and 10% returns, then at 8% inflation and 8% returns, to see how sensitive your plan is to assumptions.
How retirement corpus is calculated — formula and example
The most common retirement planning mistake is anchoring the corpus target to today’s expenses. ₹50,000/month today does not mean you need a corpus to support ₹50,000/month in retirement. At 6% inflation over 25 years, that same lifestyle will cost over ₹2,14,000/month. Failing to account for this inflation adjustment leads to a corpus that runs out within 10–12 years of retirement instead of lasting 25–30 years.
The 25× rule (also called the FIRE number in financial independence communities) is a planning starting point, not a guaranteed formula. It assumes you can earn at least 4% real returns on your retirement corpus after inflation. If your investments post-retirement are too conservative (like keeping all money in FDs), the corpus will deplete faster. A balanced retirement portfolio with some equity exposure — even after retirement — is what makes the 25× rule work in practice.
Healthcare is the largest under-estimated expense in Indian retirement planning. Medical costs inflate at 10–14% annually, and a single hospitalisation can cost ₹10–25 lakh at today’s prices. The retirement corpus target should include a separate healthcare buffer — a common approach is to add ₹50–100 lakh to the corpus target purely for medical expenses. Health insurance with a high sum insured (minimum ₹25–50 lakh) and a top-up plan is non-negotiable before and during retirement.
Formula
Target Corpus = Future Monthly Expense × 12 × 25
Future Monthly Expense = Today’s Expense × (1 + inflation/100)^years to retirement. The 25× multiplier comes from the 4% safe withdrawal rate rule: if you withdraw 4% of your corpus per year, it lasts 30+ years. Dividing 100 by 4 gives the 25× factor. Monthly SIP needed is back-calculated from this corpus target.
Worked example
If your monthly expenses today are ₹50,000 and you retire in 25 years at 6% inflation: Future monthly expense = 50,000 × (1.06)²⁵ = ₹2,14,594/month. Annual expense at retirement = ₹25,75,128. Target corpus = 25,75,128 × 25 = ₹6.44 crore. To accumulate ₹6.44 crore in 25 years at 12% return, monthly SIP needed = approximately ₹36,000.
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