Retirement Calculator India 2026
Calculate retirement corpus, monthly SIP needed & inflation-adjusted projections
Retirement Details
30 years
60 years (30 yrs to go)
Plan for 25 years in retirement
India avg: 5-7%
Pre-retirement SIP
Conservative portfolio
Include EPF, NPS, PPF, mutual funds
Corpus Needed at Retirement
₹7.21 Cr
Inflation-adjusted at age 60
Monthly SIP Needed
₹16,182
Start now for 30 years
Monthly Expenses at Retirement
₹2.87 L
After 6% inflation for 30yr
Current Savings at Retirement
₹1.50 Cr
At 12% returns
Corpus Gap
₹5.71 Cr
To be filled by SIP
🎯 Retirement Readiness
💡 Start a SIP of ₹16,182/month today
At 12% returns for 30 years, this will generate the required corpus gap of ₹5.71 Cr
📈 Corpus Growth Projection
📉 Post-Retirement Corpus Depletion
How your corpus reduces as you withdraw ₹2,87,175/month (inflation-adjusted)
🏆 Corpus Milestones
⚡ What-If Scenarios
Retire at 55 instead
Corpus: ₹6.32 Cr
SIP: ₹28,835/mo
Retire at 65 instead
Corpus: ₹7.90 Cr
SIP: ₹8,092/mo
+2% more returns
Corpus: ₹7.21 Cr
SIP: ₹8,390/mo
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📖 Learn More About Retirement Calculator India 2026
Retirement Calculator India 2026 — How Much Do You Need?
This retirement planning calculator helps you figure out exactly how much corpus you need, how much to save monthly via SIP, and projects your corpus growth year by year. Adjusts for inflation and expected returns.
The 25x Rule for Indian Retirement
To retire comfortably in India with ₹50,000/month expenses (today), you need ~₹1.5-2 Crore at retirement (adjusted for inflation at retirement, this becomes ₹2-4 Crore for a 60-year-old retiring in 2045). Start SIP early — ₹10,000/month at 12% for 30 years = ₹3.5 Crore!
Three Pillars of Indian Retirement
1) EPF/NPS: Mandatory contributions that grow tax-free. 2) Mutual Fund SIP: Flexible, potentially high-return wealth building. 3) Real Estate / FD: Stable income via rent or interest. A mix of all three is optimal.
Frequently Asked Questions
How much corpus do I need for retirement?
A common rule: 25-30x your annual expenses (4% withdrawal rule). For ₹50,000/month expenses at retirement, you need ₹1.5-2 Crores. This calculator adjusts for inflation and gives a more accurate figure.
What is the 4% withdrawal rule?
The 4% rule says you can safely withdraw 4% of your corpus annually in retirement. This means corpus = 25x annual expenses. For ₹6L/year expenses, corpus = ₹1.5 Cr. This works if your portfolio earns 6-7% real returns.
What return should I expect in retirement?
Post-retirement, shift to conservative investments: 50-60% debt (7-8%), 40-50% equity (10-12%). A balanced post-retirement portfolio typically earns 7-8%. Account for inflation (6%) gives ~2% real return.
Should I include NPS and EPF in current savings?
Yes! Include EPF balance (check UAN portal), NPS balance (check NPS app), PPF balance, and any equity mutual funds. These are all part of your retirement corpus that will grow till retirement.
How does inflation affect retirement planning?
At 6% inflation, ₹50,000/month expenses today become ₹90,000 in 10 years and ₹1.6L in 20 years. Always plan for inflation-adjusted expenses, not today's expenses.
What is the ideal retirement age in India?
Government employees retire at 60-62. Private sector often target 55-60. Early retirement (FIRE movement) targets 40-50. The earlier you retire, the larger the corpus you need — both for longer retirement and longer savings window being shorter.