My Money

Retirement corpus calculator

Your retirement number is the money that pays for every year after you stop working — with prices still rising. See it, and see whether your savings last.

 yrs
 yrs
₹
What you’d spend in retirement, at today’s prices
₹
EPF, PPF, NPS, mutual funds…
Assumptions
 yrs
 %
 %
Mostly equity while you’re working
 %
Safer mix once you retire
 %
Your retirement number
₹7.71 Cr
Start a SIP of ₹16,710/month, rising 5% a year
Monthly spend at 60
₹2,87,175
Years in retirement
25 yrs
Savings grow to
₹1.14 Cr
Corpus ÷ yearly spend
22×

Your money, through life

0₹2.5 Cr₹5 Cr₹7.5 Cr₹10 Cr30405060708085Retire at 60
Saving & investingLiving off it
Starting five years later would need ₹30,426/month — 82% more. Retiring 3 years later instead brings it down to ₹11,906.
Assumes expenses rise with inflation every year until age 85, with the corpus earning 7% after you retire. EPF, NPS and PPF all count towards your savings.
How it’s calculated

The maths, in plain words

Expenses at retirement

Today’s monthly spend grown by inflation until your retirement age.

The corpus

Enough to pay those expenses — rising with inflation every year — until your life expectancy, while the rest stays invested at a safer return.

The SIP

What your current savings will grow to is subtracted, and we find the monthly SIP (with step-up) that fills the gap.

Questions

People also ask

Your inputs stay on this device. Use Copy link to save or share a calculation.

How much do I need to retire in India?
It depends on spending. Someone spending ₹50,000 a month today, retiring in 30 years, with 6% inflation, needs around ₹7–8 crore. Lower spending, a later retirement or higher post-retirement returns reduce it.
What is the 25x rule?
A shortcut from the US: save 25 times your annual expenses. In India, with higher inflation, 30–35x is safer for an early or very long retirement. For a usual 25-year retirement the number can come out lower, depending on the return you earn after retiring.
Understand it

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