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Retirement Corpus Calculator

Find out exactly how much retirement corpus you need — and what monthly SIP to start today. Built for Indians with inflation, life expectancy, and healthcare costs factored in.

Your Details

What you spend today — not at retirement
India's historical avg is ~5–6%
Equity funds avg 10–15% over long term
How long you expect to live — affects retirement duration
Extra corpus added for medical costs in retirement

Your Retirement Plan

CORPUS NEEDED AT RETIREMENT
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Monthly SIP Needed Now
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Years to Retire
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Monthly Expenses at Retirement
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Retirement Duration
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Breakdown
Future Monthly Expense
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Retirement Duration
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Base Corpus Required
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Healthcare Buffer Added
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💡 Reality-check your plan
  • Step-up SIP 10%/yr: Dramatically cuts shortfall vs flat SIP
  • Health insurance first: ₹10–25L floater before aggressive equity
  • Glide path: 70% equity in 30s → 40% by retirement
  • Tax-bucket mix: EPF + NPS (tax-deferred) + PPF (tax-free) + SIP
Want to track this retirement goal over time?

Wondering if you're truly on track? Take the Retirement Horoscope Quiz — personalised readiness score + PDF report.

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⚠️ Estimate only. Consult a SEBI-registered advisor.

Free Assessment

Want a Personalised Retirement Readiness Report?

Answer 40 questions across 7 life dimensions — Financial, Health, Mental, Income, Relationships, Habits, Life Design — and get a detailed PDF report on where you stand and what to do next.

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Dimensions
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PDF
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⚠️ Calculator Disclaimer: Retirement projections assume constant returns, inflation, and withdrawal rates. Real-world results will differ — returns are not guaranteed, inflation varies, and personal circumstances change. This is an illustrative tool for educational purposes only — not a retirement plan. Consult a SEBI-registered financial planner for personalised advice.

Educational reference
Instrument landscape
Types of instruments commonly used for this goal. For educational purposes only — not investment advice. Returns shown are historical or indicative and are not guaranteed. Consult a SEBI-registered investment advisor before making any investment decision.
Instrument Type Risk Return (indicative) Lock-in Tax treatment Regulator
Large Cap Mutual Fund Equity — Diversified Moderate 10–12% p.a. (hist.) None LTCG 12.5% above ₹1.25L SEBI
Index Fund (Nifty 50) Equity — Passive Moderate 10–12% p.a. (hist.) None LTCG 12.5% above ₹1.25L SEBI
ELSS — Tax Saver Fund Equity — Diversified Moderate–High 10–14% p.a. (hist.) 3 years LTCG 12.5%; 80C deduction up to ₹1.5L SEBI
Mid / Small Cap Fund Equity High 12–16% p.a. (hist.) None LTCG 12.5% above ₹1.25L SEBI
NPS Tier 1 — E class Pension — Equity Moderate 10–12% p.a. (hist.) Till age 60 80CCD(1B) extra ₹50K; 60% lump sum tax-free PFRDA
PPF Govt. Debt Very Low 7.1% p.a. (fixed) 15 years EEE — fully tax-free MoF
Regulators: SEBI — Securities and Exchange Board of India  ·  RBI — Reserve Bank of India  ·  PFRDA — Pension Fund Regulatory and Development Authority  ·  IRDAI — Insurance Regulatory and Development Authority of India  ·  MoF — Ministry of Finance  ·  EPFO — Employees' Provident Fund Organisation  ·  FEMA — Foreign Exchange Management Act  ·  RERA — Real Estate (Regulation and Development) Act

💡 Key Retirement Concepts

Inflation Erodes Savings
At 6% inflation, ₹50,000/month today needs roughly ₹1.6L/month in 20 years. Always plan with inflation-adjusted numbers.

The 4% Rule
A guideline suggests withdrawing 4% of corpus annually in retirement. So ₹1 Cr corpus supports roughly ₹4L/year spending.

Start Early
Due to compounding, starting 10 years earlier can mean needing to save 50% less per month for the same retirement corpus.

📌 What To Do Next

Use the SIP calculator to plan monthly investments toward your retirement goal. Consider splitting between equity SIP and NPS for tax benefits. Always consult a qualified financial advisor before making any financial decisions.

Plan Your Monthly SIP →

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