Free Retirement Calculator — How Much Do You Need to Retire in India?
Find out exactly how much money you need to retire comfortably in India. Enter your current monthly expenses, expected retirement age, and assumed investment returns to get your personalised retirement corpus target.
Retirement planning in India requires accounting for inflation, longevity, and the absence of a state pension for private sector employees. Our calculator handles all of it.
Inflation-Adjusted Corpus
Your retirement corpus calculation accounts for India's average inflation so your purchasing power is preserved through retirement.
Monthly SIP Target
See exactly how much you need to invest monthly starting today to hit your retirement corpus target by your chosen retirement age.
Post-Retirement Planning
Model how long your corpus lasts with monthly expenses drawn down — plan for 20–30 years of retirement income.
How to Use the Retirement Calculator
Three inputs. Get your personalised retirement corpus target and monthly SIP needed.
1
Enter Current Age & Monthly Expenses
Input your age today and your current monthly household expenses — the calculator projects these forward to retirement age.
2
Set Retirement Age & Life Expectancy
Choose when you want to retire (typically 55–60) and plan for life expectancy (80–85 years is a prudent assumption).
3
Set Return Rate & Inflation
Enter expected portfolio return rate (8–12% for equity-heavy) and inflation rate (6% is a common India assumption) to get your corpus target.
Retirement Corpus Formula
How the retirement corpus requirement is calculated.
Retirement Corpus Formula
Corpus = Monthly Expense at Retirement × 12 × [(1-(1+r)^-n) / r]
Where r = monthly return rate post-retirement, n = number of retirement years (life expectancy − retirement age). Monthly expenses at retirement = current expenses × (1+inflation)^years to retirement. The corpus must sustain inflation-adjusted withdrawals throughout retirement.
Frequently Asked Questions
Everything you need to know about planning your retirement corpus in India.
A general rule: you need 25× your annual expenses at retirement (the 4% safe withdrawal rule). For a person needing ₹60,000/month in today's money: at 6% inflation for 25 years, expenses at retirement = ₹2.57 lakh/month. Annual expense = ₹30.9 lakh. Corpus needed = 25× = ₹7.7 crore. This is for a 25-year retirement. For a longer retirement or lower return assumptions, the corpus requirement increases. Use the StockViz retirement calculator with your specific inputs for an accurate personalised figure.
The 4% rule (Trinity Study) says you can withdraw 4% of your retirement corpus annually without depleting the principal over a 30-year retirement, assuming a diversified portfolio of stocks and bonds earning ~7% real returns. In India, with higher inflation and interest rates, some planners use 3–3.5% as a more conservative withdrawal rate. The 4% rule means: if your annual retirement expenses are ₹12 lakh, you need ₹3 crore corpus (₹12L ÷ 4% = ₹3 crore). This assumes the corpus is invested in a balanced portfolio — not kept in a savings account.
Yes. Your existing retirement savings reduce the fresh corpus you need to accumulate. Add: EPF balance + expected future contributions, NPS corpus (Tier 1), PPF balance, any existing mutual fund investments earmarked for retirement. Subtract this from your total corpus target to find the remaining gap. EPF withdrawals at retirement are tax-free; NPS at retirement — 60% can be withdrawn tax-free, 40% must be annuitised. Factor in that EPF earns ~8.25% and NPS equity (Tier 1 E-scheme) has historically returned 10–12%.
Formula: Required SIP = (Corpus Target × r) / [(1+r)^n - 1], where r = monthly return rate, n = months remaining to retirement. Example: Target ₹5 crore in 25 years, expected 12% annual return: monthly rate = 1%, n = 300 months. SIP = (5,00,00,000 × 0.01) / [(1.01)^300 - 1] = 5,00,000 / (19.79) ≈ ₹25,265/month. Starting this SIP at age 30 for ₹5 crore by age 55. The StockViz SIP calculator can help you model this precisely.
FIRE (Financial Independence, Retire Early) is growing in India. Key numbers: to retire at 40 instead of 60, you need ~30–35× annual expenses (longer retirement, less certainty). FIRE requires aggressive savings rate (50–70% of income), low-cost index fund investing, and keeping lifestyle expenses manageable. Challenges in India: inflation (higher than Western countries), healthcare costs (rising steeply), social security (no state pension for private sector), and longevity risk. FIRE is achievable for high-income professionals in Indian metros — typically requiring ₹5–15 crore depending on lifestyle.
Accumulation phase (20–30 years before retirement): 70–80% equity (Nifty 50 index fund + multi-cap fund), 15–20% debt (PPF + EPF), 5–10% gold. 5–10 years before retirement (glide path): gradually shift equity to 50%, debt to 40%, gold to 10%. Post-retirement corpus: 30–40% equity (dividend-paying or balanced advantage funds for SWP), 40–50% debt (short-term bonds, Senior Citizen Savings Scheme), 10–20% liquid (FD, liquid mutual funds). The key is balancing growth (equity beats inflation) with stability (debt provides drawdown money during corrections).
Plan Your Retirement Corpus Now
Use StockViz free retirement calculator — inflation-adjusted, personalised, no login needed.