Retirement Calculator
Your retirement number isn't a guess — it's math. Inflation-adjusted expenses, corpus needed, SIP to get there. Free, private, no signup.
Your retirement plan
6% is realistic for India; Groww's 3% default is optimistic.
Lower — you'll shift to safer assets.
Your retirement number
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Monthly SIP needed from today-
Monthly expenses at retirement-
Existing savings will grow to-
Why your retirement number is bigger than you think
Three forces compound against you: inflation (₹50,000/month today = ₹2.87 lakh/month in 30 years at 6%), longevity (25 years of retirement to fund), and rising expenses (costs keep inflating after you retire too).
- The corpus isn't 25× expenses. The famous 4% rule ignores that your expenses keep rising in retirement while your corpus earns a modest return. This calculator funds a growing expense stream properly.
- Start early or pay double. Starting at 30 vs 40 for the same retirement roughly triples the monthly SIP needed. Every year of delay is brutally expensive — try it above.
- Inflation is the input that matters most. 6% vs 4% inflation changes the corpus by crores. When in doubt, use the higher number — surprises should be pleasant.
Where to invest the SIP
Match the horizon: 10+ years → equity-heavy (SIPs, NPS); under 5 years → PPF, EPF, debt funds. Our SIP calculator and NPS calculator take it from here.
FAQs
How much do I need to retire in India?
It depends entirely on expenses, age and inflation — there's no universal number. ₹50,000/month expenses at age 30 needs roughly ₹6.4 crore by 60 at 6% inflation. Run your own numbers above.
Is the 4% rule valid in India?
Approximately — but Indian inflation runs higher than the US, so be conservative. This calculator's growing-annuity math is more precise than the flat 25× rule.
Should I include my house in the corpus?
No — unless you plan to sell it. Retirement corpus means liquid, income-generating assets: EPF, PPF, mutual funds, NPS.
What about medical costs?
Budget them separately: health insurance (not just employer cover) plus a medical buffer. Healthcare inflation in India runs ~14% — far above general inflation.
Is my data sent anywhere?
No. Everything is computed in your browser; nothing leaves your device.
Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. Returns, inflation and lifespan are assumptions; reality will differ. Review yearly with a qualified adviser for large decisions.