How much corpus do I need to retire in India?

The corpus needed = present value of all future expenses adjusted for inflation. For ₹50,000/month today with 6% inflation over 30 years to retirement: monthly expense becomes ₹2.87 lakh at retirement. For 20 years of retirement at 8% post-retirement return: corpus needed = approximately ₹3.5–4 crore. Use the Retire Rich Calculator above for your exact number based on your age, expenses, and retirement age.

What is the best SIP for retirement planning in India?

For retirement 15+ years away: equity-heavy portfolio (large-cap index funds + flexi-cap funds) targeting 12–14% CAGR. For retirement 5–10 years away: shift gradually to balanced advantage or hybrid funds (10–11% CAGR). For post-retirement corpus: conservative hybrid or debt funds (7–8%). A diversified SIP portfolio combining equity + NPS gives both growth and tax efficiency.

What is a good retirement age in India?

The traditional retirement age in India is 60 (government employees) or 58–62 (private sector). However, the FIRE movement popularises retiring at 45–50 for those with high savings rates. The Retire Rich Calculator works for any target retirement age — earlier retirement requires a much larger corpus and higher SIP since the accumulation period is shorter and the withdrawal period is longer.

How does inflation affect retirement planning?

Inflation is the biggest threat to retirement security. At 6% annual inflation, ₹50,000/month of expenses today becomes ₹1.61 lakh/month in 20 years and ₹2.87 lakh/month in 30 years. Your retirement corpus must be large enough to sustain this inflated expense level throughout your retirement. The Retire Rich Calculator uses a growing annuity formula to account for this accurately.

What is post-retirement return in retirement planning?

Post-retirement return is the investment return your corpus earns after you retire. Since you cannot afford to take equity risk with money you need immediately, retirees typically shift to conservative investments (debt funds, fixed deposits, annuities) that earn 7–8% p.a. This is lower than the 12% CAGR during accumulation — the difference between these two rates is a key driver of how much corpus you need.

Should I use NPS or mutual funds for retirement?

Both serve different purposes. NPS: mandatory lock-in till 60, extra ₹50,000 tax deduction (80CCD1B), 60% tax-free withdrawal, 40% must buy annuity. Mutual funds: fully flexible, better liquidity, no forced annuity. Best strategy: NPS for the additional tax deduction + mutual fund SIPs for the bulk of retirement corpus. NPS equity (E tier) has delivered 13–14% CAGR over 10 years.

What is the 4% safe withdrawal rule for retirement?

The 4% rule states you can withdraw 4% of your retirement corpus per year and it will last 30 years (based on US market data). For India with 6% inflation and potentially higher equity returns: a 5–6% withdrawal rate may be sustainable with a 60% equity / 40% debt allocation. The Retire Rich Calculator uses an actuarial present value of growing annuity approach for more accuracy than the simple 4% rule.

Retire Rich Calculator 2026 — How Much SIP Do You Need to Retire?

Enter your age, retirement target, and current expenses. Get your exact retirement corpus, monthly SIP needed, and inflation-adjusted future expenses — live as you slide.

📌 Updated June 2026 📈 Inflation-Adjusted Corpus ✅ Growing Annuity Formula 🆕 Post-Retirement Returns 🌟 Any Retirement Age

Retire Rich Calculator

Plan Your Dream Retirement

All 8 sliders update your corpus, SIP, and retirement timeline live — including inflation and post-retirement return phases.

Current Age30 Years

1858

Retirement Age60 Years

4070

Monthly Expenses (Today)₹50,000

₹10K₹5 L

Life Expectancy80 Years

65100

Inflation Rate (p.a.)6%

3%10%

Pre-Retirement Return (p.a.)12%

6% (Debt)18% (Equity)

Post-Retirement Return (p.a.)8%

4% (FD)12% (Hybrid)

Current Savings / Investments₹0

₹0₹1 Cr

₹5.17 Cr corpus needed

SIP Invested Growth Existing

Age 30 (Now)Age 60 (Retire)Age 80

30 yrs accumulating20 yrs withdrawing

Exp. at Retirement

₹2.87 L/mo

Years to Invest

30 Years

Monthly SIP Needed

₹13,862

Retirement Phase

20 Years

Corpus from SIP₹5.17 Cr

Existing Savings (grown)₹0

Corpus Shortfall / Surplus₹0

Retirement Corpus Needed₹5.17 Cr

Monthly SIP to Start Today₹13,862/mo

🚀 Start My Retirement SIP via WhatsApp

Vikash Royal ARN-356458
B.E. | MBA Finance | NISM Certified | 7+ Years in Finance

⚖ Retirement Planning Has Two Distinct Phases

Understanding both phases — and how they interact — is the key to calculating an accurate retirement corpus.

📈 Phase 1: Accumulation (Now → Retirement)

DurationYour working years

StrategyEquity-heavy SIP (12–15% CAGR)

GoalBuild the corpus target

Key toolMonthly SIP + Step-Up SIP

Tax strategyELSS (80C) + NPS (80CCD1B)

Risk profileAggressive → Moderate (last 5 yrs)

Key riskStopping SIP during market dips

🆕 Phase 2: Withdrawal (Retirement → End of Life)

DurationLife expectancy minus retirement age

StrategyConservative — 60% debt, 40% equity

GoalSustain inflation-adjusted monthly expenses

Key toolSWP (Systematic Withdrawal Plan)

Return assumption7–8% (vs 12% during accumulation)

Key riskOutliving your corpus (longevity risk)

Safety marginAdd 5–10 years to life expectancy

📈 The Cost of Waiting — Monthly SIP Required to Retire at 60

₹50,000/month expenses today, 6% inflation, 12% pre-retirement CAGR, 8% post-retirement return, 80-year life expectancy. Starting 5 years later nearly doubles the SIP needed.

Start Age	Years to Invest	Corpus Needed	Monthly SIP	Total Invested	Cost of Delay vs Age 25
Age 25	35 Years	₹5.17 Cr	₹6,690/mo	₹28.1 L	Baseline
Age 30	30 Years	₹5.17 Cr	₹13,862/mo	₹49.9 L	+₹21.8 L extra invested
Age 35	25 Years	₹5.17 Cr	₹27,360/mo	₹82.1 L	+₹54.0 L extra invested
Age 40	20 Years	₹5.17 Cr	₹54,000/mo	₹1.30 Cr	+₹1.02 Cr extra invested
Age 45	15 Years	₹5.17 Cr	₹1,03,320/mo	₹1.86 Cr	+₹1.58 Cr extra invested
Age 50	10 Years	₹5.17 Cr	₹2,36,000/mo	₹2.83 Cr	+₹2.55 Cr extra invested

Corpus calculation uses growing annuity formula accounting for inflation during withdrawal. SIP at 12% CAGR. Starting at 25 vs 40: same corpus, but ₹1 crore less total investment — the gift of compounding time.

🏠 Retirement Corpus Required — By Monthly Expense Level

Starting age 30, retirement at 60, life expectancy 80, 6% inflation, 8% post-retirement return. SIP at 12% CAGR.

Monthly Expenses Now	At Retirement (30 Yrs)	Corpus Needed	Monthly SIP Needed	Monthly Income from Corpus
₹25,000	₹1.43 L/mo	₹2.59 Cr	₹6,931/mo	₹1.72 L/mo
₹40,000	₹2.29 L/mo	₹4.14 Cr	₹11,090/mo	₹2.76 L/mo
₹50,000	₹2.87 L/mo	₹5.17 Cr	₹13,862/mo	₹3.45 L/mo
₹75,000	₹4.30 L/mo	₹7.76 Cr	₹20,793/mo	₹5.17 L/mo
₹1,00,000	₹5.74 L/mo	₹10.34 Cr	₹27,724/mo	₹6.89 L/mo
₹2,00,000	₹11.48 L/mo	₹20.68 Cr	₹55,448/mo	₹13.79 L/mo

Monthly income from corpus assumes 8% post-retirement return sustaining full corpus over 20-year retirement. Inflation-adjusted corpus grows 6%/year during withdrawal. Actual monthly withdrawal in Year 1 of retirement = future monthly expense shown in column 2.

💡 4 Retirement Planning Strategies That Beat the Corpus Target

Beyond the SIP calculation — strategies that dramatically improve your retirement readiness.

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Step-Up SIP Every Year

Increasing your retirement SIP by 10% every year (matching salary hike) cuts the required SIP nearly in half vs a flat SIP. A ₹8,000/month step-up SIP (10% annual increase) at 12% CAGR for 30 years builds ₹5.17 crore — vs ₹13,862/month flat SIP. Use our Step-Up SIP calculator to find your exact numbers.

🌟

Use NPS for Tax + Pension

Allocate at least ₹50,000/year to NPS Tier 1 (80CCD1B deduction = ₹15,600 guaranteed tax saving at 30% slab). NPS equity (E tier) has delivered 13–14% CAGR over 10 years. At retirement: 60% withdrawal tax-free + 40% buys a lifetime annuity — reducing the corpus you need from mutual funds.

⚡

Glide Path: Shift to Safety at 55

5 years before retirement, gradually shift equity SIPs to balanced advantage / conservative hybrid funds. This "glide path" protects your corpus from a market crash just before retirement. A 20% crash at age 58 could wipe 7–8 years of SIP growth — a sequencing risk that proper asset allocation prevents.

🚫

Don't Underestimate Longevity

India's life expectancy is rising — plan for 90+ years if you're healthy. A ₹5 crore corpus sustaining ₹2.87L/month expenses at 8% return for 20 years is comfortable. For 30 years (age 60→90), you'd need ₹6.8 crore instead. Always add 5–10 years to your expected life in this calculator as a safety buffer.

❓ Retire Rich — Frequently Asked Questions

Most searched retirement planning questions in India — answered with precision.

The corpus needed = Present Value of all future retirement expenses, adjusted for inflation. For ₹50,000/month today, 30 years to retirement at 6% inflation: monthly expense becomes ₹2.87 lakh at retirement. Over 20 retirement years at 8% post-retirement return with 6% expense growth: corpus needed ≈ ₹5.17 crore. Use the sliders above for your exact number based on your age, expenses, and retirement target.

The best retirement SIP portfolio by phase:

Accumulation (15+ years away): 60% large-cap index fund + 30% flexi-cap + 10% mid-cap. Target 12–13% CAGR.
Accumulation (5–15 years): 50% equity + 30% balanced advantage + 20% debt. Target 10–11% CAGR.
Post-retirement corpus: Conservative hybrid (60% debt) + NPS annuity. Target 7–8% CAGR.

Add NPS for the extra ₹50,000 tax deduction and mandatory discipline. Consult Vikash Royal for a personalised portfolio recommendation.

Inflation is the biggest threat to retirement security. At 6% annual inflation:
• ₹50,000/month today → ₹1.43 lakh/month in 20 years
• ₹50,000/month today → ₹2.87 lakh/month in 30 years
• ₹50,000/month today → ₹5.74 lakh/month in 40 years

Your corpus must sustain this inflated expense throughout retirement. This calculator uses a growing annuity formula — far more accurate than the simple "25× annual expenses" thumb rule — to account for rising expenses during the withdrawal phase.

Post-retirement return is what your corpus earns after you retire. Since you can't take equity risk with immediate-need money, most retirees shift to conservative instruments (debt MF, FD, annuities) earning 7–8% p.a. — vs 12% during accumulation. This gap matters: a 1% lower post-retirement return increases the corpus you need by 10–15%. The calculator models both rates separately for precision. Setting post-retirement return too high is a common and dangerous retirement planning mistake.

NPS advantages: Extra ₹50,000 tax deduction (80CCD1B = ₹15,600 saved at 30% slab), lowest fund management charge (0.09%), NPS equity E-tier has given 13–14% CAGR over 10 years. Disadvantages: Lock-in till 60, 40% must buy annuity (taxable pension).

Mutual fund SIP advantages: Full flexibility, no annuity mandate, better liquidity. Best strategy: NPS for the additional tax deduction + mutual fund SIPs for the bulk of retirement corpus. They complement each other — NPS for discipline and tax, MF for flexibility and growth.

Yes — with a high enough savings rate. Key variables for early retirement: (1) Shorter accumulation period means much higher monthly SIP needed. (2) Longer withdrawal period (40–45 years if retiring at 45) means a much larger corpus. (3) No EPF/NPS early withdrawal — you still need liquid mutual fund corpus.

Example: Retiring at 45 with ₹50K current expenses, 6% inflation, 25-year accumulation at 12%, 35-year withdrawal at 8%: corpus needed ≈ ₹8.5 crore. Monthly SIP from age 20: ₹23,000/month. Achievable with a 30–40% savings rate and Step-Up SIP discipline.

🚀 Start Your Retirement SIP Today — Every Month Counts

Starting 5 years earlier could mean investing ₹30+ lakh less for the same retirement corpus. Vikash Royal will build your complete retirement plan — right SIP amount, right funds, right NPS allocation, and a glide path strategy to protect your corpus near retirement. SEBI-Registered. NISM XVII Certified. ARN: ARN-356458

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