How much corpus do I need to retire in India?

The retirement corpus depends on your monthly expenses, inflation rate, expected returns, and retirement duration. As a rule of thumb, you need 25-30 times your annual expenses at retirement. For example, if your monthly expense at retirement is ₹1.5 lakh, you need approximately ₹4.5-5.4 crore corpus.

What is the 4% rule for retirement?

The 4% rule suggests you can withdraw 4% of your retirement corpus annually (adjusted for inflation each year) and your money should last for 25-30 years. For Indian conditions with higher inflation (6-7%), a 3-3.5% withdrawal rate is more conservative and safer.

How does healthcare inflation affect retirement planning?

Healthcare inflation in India runs at 10-14% annually, nearly double the general inflation rate. A medical expense of ₹5,000/month today could become ₹35,000-50,000/month in 20 years. Always plan healthcare expenses separately with a higher inflation rate.

Should I include one-time expenses in retirement planning?

Absolutely. Major life events like children's education (₹20-50 lakh), weddings (₹15-30 lakh), car purchases, home renovations, and parents' healthcare can significantly impact your retirement corpus. Our calculator lets you add each of these with inflation adjustment.

What is a good retirement age in India?

While the traditional retirement age is 58-60, the FIRE (Financial Independence, Retire Early) movement targets 40-50. The ideal age depends on your savings rate, lifestyle expectations, and health. Start planning early — delaying by even 5 years can double the required monthly SIP.

India's Most Comprehensive Retirement Planner

Retirement Calculator

Plan every aspect of your retirement — from daily expenses to life goals, healthcare to pension income — with year-by-year projections and actionable insights.

All Calculators Retirement Guide

Current Age

1870

Retirement Age

2075

Life Expectancy

60150

Monthly Living Expenses (₹)

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₹0₹5L

Monthly Healthcare (₹)

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₹0₹1L

Healthcare is tracked separately since medical inflation (10-14%) is much higher than general inflation (5-7%).

Enter balances. Click return rates to customize for pro planning.

EPF Balance

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@% p.a.

PPF Balance

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@% p.a.

NPS Balance

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@% p.a.

Mutual Funds

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@% p.a.

Fixed Deposits

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@% p.a.

Gold

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@% p.a.

Real Estate

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@% p.a.

Other Savings

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@% p.a.

Total Current Savings ₹10,00,000

💡 Click any return rate above to customize it

Toggle events to include. Each has its own inflation rate & can repeat. Tap to customize. Only goals between retirement age and life expectancy are considered.

Returns

Pre-Retirement Return (% p.a.)

4%20%

Post-Retirement Return (% p.a.)

3%15%

Inflation

General Inflation (% p.a.)

2%12%

Healthcare Inflation (% p.a.)

4%16%

Retirement Income

Monthly Pension (₹)

₹

Government/employer pension (fixed, not inflation-adjusted)

Monthly Rental Income (₹)

₹

Expected rental at retirement (grows with inflation)

PV = E × [1 − ((1+g)/(1+r))ⁿ] / (r − g) | Growing annuity for inflation-adjusted retirement expenses

Presets fill sample values. You can adjust any field after.

Excellent

Calculating your retirement readiness...

Score Breakdown

₹0

₹0/mo

₹0

📅 30 yrs to retire

🏠 25 yrs in retirement

✅ Surplus

⚠️ Deficit

How are these calculated?

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Cost of Delaying Retirement Savings

See how starting late increases your required monthly SIP

How to read this table: Each row shows your required monthly SIP if you start saving at a different age. The "Extra vs Now" column shows how much more you'd need to invest each month compared to starting today. The SIP is calculated using: SIP = Gap × r / ((1+r)ⁿ − 1), where Gap = Required Corpus − Future Value of Savings, r = monthly pre-retirement return, and n = months until retirement.

Pre-Retirement: Year-by-Year Growth

0 years

What this shows: Your wealth trajectory from now until retirement. Savings Growth = your existing savings compounded at each instrument's return rate. SIP Accumulation = wealth built from the recommended monthly SIP. Total Wealth = combined value. Monthly Exp = your inflated expenses at that age, showing how costs rise over time.

Post-Retirement: Corpus Depletion

0 years

What this shows: How your retirement corpus gets used up year by year. Start Balance = corpus at the start of each year. Expenses = annual living + healthcare costs (growing with inflation). Income = pension + rental income + investment returns on remaining corpus. End Balance = what's left. Rows highlighted in red indicate when your corpus runs out.

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Life Events Impact Timeline

How your one-time expenses map across your life

What this shows: Each life event (education, wedding, travel, etc.) at the age you plan it. Today's Value = what it costs now. Inflation Rate = the specific inflation rate for that expense category. Adjusted Value = what it will actually cost at the planned age, after inflation. Events before retirement reduce your savings; events after retirement are funded from your corpus.

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Plan Your Investments

Use these calculators to plan how to accumulate your retirement corpus

Essential Knowledge

Retirement Planning Mastery

Everything you need to know to build a bulletproof retirement plan for India.

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Start Early, Retire Rich

Starting at 25 vs 35 can mean 3× more corpus due to compounding. A ₹10,000/month SIP started at 25 gives ₹3.5 Cr by 60, but only ₹1 Cr if started at 35. Every year you delay doubles the effort needed.

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Healthcare: The Silent Killer

Medical inflation in India runs at 10-14% — nearly double general inflation. A ₹5,000/month healthcare cost today becomes ₹33,000/month in 20 years at 10% inflation. Always plan healthcare separately.

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The Modified 4% Rule

The 4% withdrawal rule works for Western economies. For India, with 6-7% inflation, use 3-3.5% for safety. This means you need 28-33× your annual expenses as your retirement corpus.

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Bucket Strategy

Divide retirement corpus into 3 buckets: Short-term (1-3 yrs in FDs/liquid funds), Medium-term (3-7 yrs in debt funds), Long-term (7+ yrs in equity). This protects against market crashes while maintaining growth.

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FIRE Movement

Financial Independence, Retire Early (FIRE) advocates saving 50-70% of income to retire by 40-45. Even if early retirement isn't your goal, FIRE principles help you achieve financial freedom faster.

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Life Event Planning

Don't forget major life expenses: children's education (₹20-50L), weddings (₹15-30L), car replacements, and parents' healthcare. Planning these separately prevents retirement corpus from being raided.

Common Questions

Retirement Calculator FAQ

It depends on your lifestyle, inflation, and retirement duration. A common rule of thumb is 25-30× your annual expenses at retirement. For example, if your monthly expenses at retirement will be ₹1.5 lakh, you need approximately ₹4.5-5.4 crore. This calculator factors in inflation, healthcare, life events, and pension income for a precise estimate.

Healthcare costs in India rise at 10-14% annually, nearly double the general inflation rate of 5-7%. As you age, healthcare becomes a larger share of expenses. A ₹5,000/month medical cost today becomes ₹33,000 in 20 years at 10% inflation. Planning with a separate healthcare inflation rate gives you a realistic picture.

Absolutely! Major events like children’s higher education (₹20-50 lakh), weddings (₹15-30 lakh), car purchases, home renovations, and parents’ healthcare needs can significantly impact your retirement savings. Our calculator lets you add each event with its expected year and automatically adjusts for inflation.

Before retirement, you can afford higher-risk equity investments (12-15% returns). After retirement, you shift to safer instruments like debt funds, FDs, and government schemes (6-8% returns) since you can't afford volatility when withdrawing regularly. This calculator uses both rates for accurate projections.

The score (0-100) evaluates your overall readiness across 8 factors: savings coverage ratio (up to 35 points), SIP affordability relative to your expenses (up to 15 points), time horizon advantage (up to 15 points), portfolio diversification (up to 10 points), pension & rental income streams (up to 10 points), healthcare planning (5 points), life goals planning (5 points), and surplus buffer (5 points). A score above 70 means you’re well on track for a comfortable retirement.