Retirement Calculator (Corpus & SIP Planner)

Plan your retirement in India with precision. Adjusts your current household expenses for long-term inflation, factors in life expectancy, projects existing savings, and calculates the exact monthly SIP needed today.

To retire at age 60 with ₹50,000/month current expenses at 6% inflation, you need a target corpus of ₹7,21,37,546, requiring an estimated SIP of ₹21,444/month starting today.

Retirement Goals & Timeline

Calculate your inflation-adjusted retirement corpus and required monthly SIP.

Current Monthly Living Expenses

₹

Household expenses, utilities, groceries, rent, and leisure.

Current Age

yrs

Retirement Age

yrs

Life Expectancy

yrs

Inflation Rate (% p.a.)

Long-term CPI benchmark: 6%.

Pre-Retirement Return (%)

Equity & debt mix.

Post-Retirement Return (%)

SCSS, POMIS, SWP.

Existing Retirement Savings (EPF, PPF, Mutual Funds)

₹

Current savings dedicated exclusively to retirement.

Target Corpus25 Years Post-Retire

Required Retirement Corpus

₹7,21,37,546

Required Monthly SIP Today: ₹21,444/mo

Monthly Expense at 60

₹2,87,175

Inflated at 6%

Existing Savings at 60

₹1,14,46,148

Grown at 11%

Net Corpus Deficit

₹6,06,91,398

Shortfall to cover

Real Post-Retire Return

1.42%

Return minus inflation

Action Plan:

To retire comfortably at age 60 with ₹2,87,175/month inflation-adjusted income, you need a target corpus of ₹7,21,37,546. After factoring in your existing savings, you need an estimated SIP of ₹21,444/month starting today.

Target Corpus

₹7,21,37,546

Required Monthly SIP: ₹21,444

All projections assume inflation-adjusted annuities and deterministic compound returns.

What it is:: A comprehensive Indian retirement corpus and wealth accumulation planner.
What it calculates:: Inflated living expenses at retirement age, total required corpus, future value of existing savings, and required monthly SIP.

Key Assumptions

Retirement living expenses continue until specified life expectancy.
Corpus earns a post-retirement real rate of return above ongoing inflation.
Monthly SIP investments are made consistently until retirement age.

How it works

Expense Inflation: Your current living expenses are compounded at the estimated inflation rate (historical 6% CPI) over the years remaining until your retirement age.

Post-Retirement Duration: The calculator evaluates the number of years your corpus must sustain you, based on retirement age (default 60) and life expectancy (default 85).

Real Rate of Return: In retirement, money is assumed to earn a conservative return (e.g. 7.5% in SCSS, POMIS, SWP), giving a positive real rate of return above ongoing inflation.

Existing Savings Growth: Current EPF, PPF, and mutual fund balances are grown at your pre-retirement return rate to compute your net remaining corpus shortfall.

Formula

Target Corpus = Inflated Annual Expenses × [(1 - (1 + r_real)^-n) / r_real]; Monthly SIP = Deficit × r_m ÷ [((1 + r_m)^m - 1) × (1 + r_m)]

r_real: = Real post-retirement rate of return = ((1 + r_post) / (1 + inflation)) - 1
n: = Years in retirement (Life Expectancy - Retirement Age)
Deficit: = Target Corpus minus Future Value of Existing Savings
SIP: = Monthly investment required during accumulation years

A 6% inflation rate doubles living expenses every 12 years. ₹50,000/month today becomes ₹2,87,000/month in 30 years.

Example calculation

Retiring at 60 with ₹50,000/mo Current Expenses (6% Inflation)

Years to Retirement: 30 Years
Monthly Living Expense at Age 60: ₹2,87,175
Target Retirement Corpus Required: ₹7,21,37,546
Future Value of ₹5L Existing Savings: ₹1,14,46,148
Net Remaining Corpus Shortfall: ₹6,06,91,398
Required Monthly SIP Starting Today: ₹21,444

Frequently asked questions

How much retirement corpus is needed for a comfortable life in India?

As a rule of thumb in India, your retirement corpus should be roughly 25 to 30 times your annual living expenses at the time of retirement. For example, if your monthly expense at retirement is ₹1,00,000 (₹12 Lakhs/year), you need approximately ₹3 Crores to ₹3.6 Crores to generate lifelong inflation-protected income.

What inflation rate should I use for retirement planning in India?

A realistic long-term CPI inflation rate for Indian urban households is 6.0% to 7.0%. While official headline inflation may hover between 4% and 5%, lifestyle and healthcare expenses inflate at significantly higher rates.

What should be my asset allocation before and after retirement?

Before retirement (accumulation phase), maintain 60%–75% in equity mutual funds and 25%–40% in EPF/PPF/debt. Post-retirement (distribution phase), shift to 30%–40% equity (to beat inflation) and 60%–70% in capital-guaranteed instruments like SCSS, POMIS, and high-quality debt SWPs.

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