Retirement Corpus Calculator — How Much You Need — FY 2026-27
Calculate EXACTLY how much corpus you need to retire in India. Working backwards from your target monthly expense — corpus = expenses × 12 × 25 (conservative 4% SWR) inflated forward. For a 35-year-old targeting ₹60K/month expenses and retiring at 60, the required corpus in 2051 rupees is ~₹8.5 crore — and that's the number to back-solve your SIP from.
Compute your numbers → Retirement Calculator
Use the full Retirement Calculator for interactive computation with your exact inputs. This page covers the specific context + rules for your query intent.
Key rules at a glance
- Inflation-adjusted corpus projection
- SIP gap analysis with current savings
- Safe Withdrawal Rate 3-4% options
- Life expectancy-based corpus sizing
- Pre and post-retirement rate assumptions
The retirement corpus formula (working backwards)
Step 1: Target monthly expenses in today's rupees. Step 2: Multiply × 12 for annual. Step 3: Inflate to retirement year at 6-7% CPI. Step 4: Multiply by 25 (4% SWR) or 30 (3.3% SWR). Step 5: Subtract expected corpus from existing investments. Step 6: SIP = gap / FV-annuity at expected returns over remaining years. Our calculator automates steps 1-6 with one input form.
How long will retirement last?
Indian life expectancy at age 60 is ~23 years (female) and ~20 (male) — so plan corpus for 25-30 years of withdrawals. Account for compression-of-morbidity in the last 5 years (healthcare ramp). Conservative corpus sizing uses 30-year withdrawal horizon at 3.3% SWR = 30× annual expenses.
Accounting for inflation
India's 10-year CPI has been 5-7%, healthcare inflation 8-12%, education 8-10%. Weighted household expense inflation for middle-class ≈ 6.5-7%. Use 7% as conservative assumption. Example: ₹60K today-rupee expenses at 7% inflation for 25 years = ₹3.26L/month nominal — corpus needed ~₹11-12 crore.
Retirement Corpus Calculator — FAQ
How much money do I need to retire in India?
Depends on target lifestyle. For ₹40K/month (modest) current expenses at age 30, retiring at 60, inflating at 6%: corpus needed in 2056 rupees = ₹5-6 crore. For ₹80K/month (comfortable metro): ₹10-12 crore. For ₹1.5L/month (affluent): ₹18-22 crore.
What is the 25x rule?
Multiply annual expenses by 25 to get the corpus needed for a 4% Safe Withdrawal Rate. For ₹6L annual expenses: corpus = ₹1.5 crore. This rule originates from the Bengen 1994 US study. For India (higher inflation, shorter equity track record), 30x (3.3% SWR) is more conservative.
How does inflation affect my retirement corpus?
Dramatically. ₹1L/month expenses today will require ₹5.74L/month at 6% inflation over 30 years. Corpus must account for this — use the calculator's inflation-adjusted mode, not nominal. Alternative: plan in today's rupees using REAL (inflation-adjusted) returns of 5-7% instead of 11-13% nominal.
How much SIP for ₹5 crore retirement corpus?
Starting at age 30, 30 years, 12% return: SIP ≈ ₹14,200/month. Starting at 35, 25 years: ₹26,500/month. Starting at 40, 20 years: ₹50,500/month. Each decade of delay roughly doubles the required SIP — the cost of procrastination compounds brutally.
What about EPF + NPS + gratuity?
Factor these as existing "retirement bucket" against corpus need. Typical salaried professional at retirement: EPF ₹50-80L, NPS ₹30-60L (if enrolled), gratuity ₹15-30L. Combined ₹1-1.7cr. Subtract from target corpus and let remaining gap drive your SIP planning.