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Plan your retirement with precision. Calculate how much corpus you need, the monthly SIP required, and visualize your wealth accumulation journey.
Your current monthly living expenses
India long-term average: ~6%
Conservative portfolio after retirement
Equity-heavy portfolio before retirement
Required Corpus
₹4,01,59,351
Monthly SIP Needed
₹11,491
Future Monthly Expenses
₹2,87,175
At age 60
Years in Retirement
₹25
Until age 85
4% Rule Benchmark
₹8,61,52,500
Recommended corpus using the 4% safe withdrawal rule
Total Invested via SIP
₹41,36,760
Over 30 years at 12% return
This shows how much of your retirement corpus will be consumed in each decade, accounting for inflation and expected returns.
| Age | Projected Corpus | Required Corpus | Gap |
|---|---|---|---|
| 35 | ₹9,47,851 | ₹4,01,59,351 | ₹-3,92,11,500 |
| 40 | ₹26,69,808 | ₹4,01,59,351 | ₹-3,74,89,543 |
| 45 | ₹57,98,083 | ₹4,01,59,351 | ₹-3,43,61,268 |
| 50 | ₹1,14,81,209 | ₹4,01,59,351 | ₹-2,86,78,142 |
| 55 | ₹2,18,05,725 | ₹4,01,59,351 | ₹-1,83,53,626 |
| 60 | ₹4,05,62,239 | ₹4,01,59,351 | ₹4,02,888 |
India is undergoing a demographic shift. With increasing life expectancy and a move away from joint family support systems, self-funded retirement is no longer optional—it is a necessity. The average life expectancy in India has crossed 70 years and is rising steadily. If you retire at 60, you may need to fund 25-30 years of post-retirement living.
Unlike developed nations, India does not have a robust social security system. The Employee Pension Scheme (EPS) provides only a basic safety net, and for self-employed professionals, there is no mandatory pension. This makes personal retirement planning critical for maintaining your standard of living in your golden years.
Healthcare costs in India are rising at 10-15% annually, significantly higher than general inflation. A single hospitalization in a metro city can wipe out years of savings. A well-planned retirement corpus ensures you have the financial cushion to handle medical emergencies without compromising your lifestyle or becoming dependent on your children.
The 4% withdrawal rule is a widely used guideline in retirement planning. It states that you can withdraw 4% of your retirement corpus in the first year of retirement, and then adjust that amount for inflation each subsequent year, without depleting your funds for at least 30 years.
For example, if you need ₹6,00,000 per year (₹50,000/month) at retirement, the 4% rule suggests a corpus of ₹1.5 Crore. However, this rule was developed based on US market data and may need adjustment for Indian conditions.
Many Indian financial advisors recommend a more conservative 3.5% withdrawal rate due to higher inflation volatility and lower real returns on debt instruments. At 3.5%, you would need approximately 28-29 times your annual expenses.
Inflation is the silent killer of retirement savings. At 6% annual inflation, your purchasing power halves approximately every 12 years. This means if you need ₹50,000 per month today, you will need roughly ₹2,87,000 per month after 30 years just to maintain the same lifestyle.
6%
Average Inflation
12 Years
Purchasing Power Halves
~5.7x
Expenses Multiply in 30 Years
Healthcare inflation in India averages 10-15%, while education costs rise at 8-10%. Your retirement corpus must account for these higher inflation categories. This is why simply saving a fixed amount is not enough—you need investments that outpace inflation, such as equity mutual funds.
A market-linked pension scheme regulated by PFRDA. Offers tax benefits under Section 80CCD(1B) up to ₹50,000. On maturity, 60% can be withdrawn tax-free and 40% must be used to buy an annuity.
Government-backed, tax-free savings scheme with a 15-year lock-in. Current interest rate is around 7-8%. Eligible for Section 80C deduction. One of the safest long-term instruments.
Equity mutual funds, especially index funds and flexi-cap funds, have delivered 12-15% CAGR over long periods. Ideal for wealth creation during the accumulation phase.
Mandatory for salaried employees. Employer contributes 12% of basic salary. Current interest rate is around 8%. Tax-free under EEE status up to certain limits.
Use this calculator to determine how much you need based on your current expenses, inflation, and life expectancy.
Begin investing the calculated SIP amount immediately. Delaying by even 5 years can increase your required SIP by 50-70%.
Utilize Section 80C (₹1.5L), 80CCD(1B) (₹50K for NPS), and 80D (health insurance) to reduce taxable income.
Keep 6-12 months of expenses in liquid funds or savings before allocating to long-term retirement investments.
Increase your SIP by 10% every year. This habit aligns with salary growth and dramatically boosts final corpus.
Gradually shift from equity to debt as you approach retirement. A common rule: Equity % = 100 - your age.
It depends on your monthly expenses, retirement age, and life expectancy. A common rule is 25-30 times your annual expenses at retirement. For someone needing ₹50,000/month today and retiring in 30 years, the required corpus could be ₹3-5 Crore after accounting for inflation.
The 4% rule suggests you can safely withdraw 4% of your retirement corpus in the first year, then adjust for inflation annually, without running out of money for 30 years. For India, many advisors recommend a more conservative 3.5% rule due to higher inflation.
Both serve different purposes. PPF offers guaranteed, tax-free returns with high safety. NPS offers market-linked returns with additional tax benefits (₹50K under 80CCD(1B)) and mandatory annuity purchase. A balanced approach uses both: PPF for stability and NPS for growth and pension.
At 6% inflation, your expenses will grow 5-6 times over 30 years. If you need ₹50,000/month today, you will need approximately ₹2,87,000/month in 30 years. Your retirement corpus must be calculated using inflation-adjusted expenses, not current expenses.
EPF alone is usually insufficient. The average EPF corpus at retirement is ₹20-30 Lakhs, which may last only 5-7 years. You need additional investments in mutual funds, NPS, and PPF to build a corpus that can sustain 25-30 years of retirement.
The earlier, the better. Starting at age 25 requires a much smaller monthly SIP than starting at 35 due to the power of compounding. A delay of just 10 years can more than double your required monthly investment to reach the same corpus.
Calculate National Pension System corpus and pension.
Calculate Public Provident Fund maturity with year-wise breakdown.
Calculate SIP returns with step-up and goal-based planning.
Calculate Employees Provident Fund balance and interest.