Plan the retirement corpus you need, adjust for inflation, and estimate monthly savings with our retirement calculator. Get a realistic view of your future retirement expenses.
Corpus Needed
₹5,40,24,280
Monthly SIP
₹23,899
Future annual expenses are adjusted for inflation, then divided by the 4% safe withdrawal rate to estimate the corpus required for a sustainable retirement.
This planner factors in both inflation and expected investment returns, so you can compare how much to save today versus what you need at retirement.
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Start building your retirement corpus today. Open a free demat account and begin a SIP — the earlier you start, the more you benefit from compounding.
Open Free Zerodha AccountThis free retirement calculator helps you estimate the total corpus you need to retire comfortably in India, and the monthly SIP investment required to reach that goal. Enter your current age, target retirement age, current monthly expenses, expected inflation rate, and expected return on your investments — the calculator projects your inflation-adjusted retirement corpus and monthly savings target.
Retirement planning in India is uniquely challenging because of high inflation (historically 5–7%), longer life expectancy (average 75+ years), lack of a universal pension system for the private sector, and rising healthcare costs. Starting early and investing consistently in a mix of equity and fixed income instruments is the most reliable path to financial independence.
| Current Monthly Expense | At Retirement (6% inflation, 20 yrs) | Corpus Needed (25x) | Monthly SIP (30 yrs @ 12%) |
|---|---|---|---|
| ₹30,000 | ₹96,214 | ₹2.89 crore | ₹8,100/month |
| ₹50,000 | ₹1,60,357 | ₹4.81 crore | ₹13,500/month |
| ₹75,000 | ₹2,40,535 | ₹7.22 crore | ₹20,250/month |
| ₹1,00,000 | ₹3,20,714 | ₹9.62 crore | ₹27,000/month |
| ₹1,50,000 | ₹4,81,070 | ₹14.43 crore | ₹40,500/month |
* Assumes current age 30, retirement age 60, 6% inflation, 12% SIP returns. Figures are illustrative — use the calculator for your exact numbers.
| Start Age | Monthly SIP | Years Investing | Total Invested | Corpus at 60 (12% return) |
|---|---|---|---|---|
| 25 years | ₹10,000 | 35 years | ₹42 lakh | ₹3.89 crore |
| 30 years | ₹10,000 | 30 years | ₹36 lakh | ₹2.18 crore |
| 35 years | ₹10,000 | 25 years | ₹30 lakh | ₹1.19 crore |
| 40 years | ₹10,000 | 20 years | ₹24 lakh | ₹62.5 lakh |
| 45 years | ₹10,000 | 15 years | ₹18 lakh | ₹30.1 lakh |
A common rule of thumb is to accumulate 25–30 times your annual expenses at retirement (the '4% rule'). For example, if you need ₹60,000/month (₹7.2 lakh/year) at retirement, you need a corpus of ₹1.8–2.16 crore. This calculator adjusts your current expenses for inflation to project the actual corpus needed at your target retirement age.
The 4% rule states that you can safely withdraw 4% of your retirement corpus annually without depleting it over 25–30 years, assuming your corpus earns 8–10% returns. For Indian investors, financial planners often use 5–6% as the sustainable withdrawal rate given higher equity returns but also higher inflation (5–7% vs 2–3% in developed markets).
Yes — this is called FIRE (Financial Independence, Retire Early). Retiring at 45 instead of 60 means 15 fewer years of saving and 15 more years of withdrawals, so the required corpus is significantly larger. The monthly SIP required to achieve this corpus will also be higher. Early retirement works best when you have high income, low expenses, and start investing early.
Inflation is the biggest risk to retirement planning. If your expenses are ₹50,000/month today and inflation averages 6% annually, you will need ₹1,43,587/month in 20 years to maintain the same lifestyle. The retirement calculator adjusts your current expenses by the inflation rate to project your actual monthly requirement at retirement age.
It depends on your current age, target retirement age, current savings, expected return on investment, and post-retirement lifestyle. As a general guideline, investing 15–20% of your income from your 20s can build a sufficient retirement corpus. Starting late significantly increases the required monthly SIP due to less compounding time.
EPF alone is typically insufficient for retirement. The average EPF corpus at retirement for most salaried employees covers only 5–8 years of expenses. A comprehensive retirement plan should include EPF + PPF + equity mutual funds (SIP) + NPS + any real estate or other investments. Diversification across instruments protects against any single vehicle underperforming.