Home/Calculators/Retirement Calculator|Updated July 2026

Retirement Calculator India 2026

Plan your retirement corpus. Calculate how much you need to save monthly for a comfortable retirement.

₹6.73Cr
Corpus Needed
₹8.79Cr
Your Corpus at 60
On Track
Status
₹2.87L
Monthly at 60

Retirement Readiness

100%
Projected: ₹8.79CrTarget: ₹6.73Cr

Great News! Your current savings plan will provide a corpus of ₹8.79Cr at retirement, which should last you approximately 35 years.

Your Details

years
20 years55 years
years
45 years70 years
years
70 years100 years
₹

50 Thousand

Today's monthly household expenses

Savings & Investment

₹

5 Lakh

Total invested in EPF, PPF, NPS, MFs, etc.

₹

20 Thousand

How much you invest monthly for retirement

% p.a.
6% p.a.15% p.a.
% p.a.
4% p.a.12% p.a.
% p.a.
4% p.a.10% p.a.

Corpus Needed

₹6.73Cr

For 25 years

Your Corpus at 60

₹8.79Cr

Total Investment

₹77.0L

30 years

Returns Earned

₹8.02Cr

Interest + Growth

Retirement Corpus Projection

Investment Breakdown

Total Investment₹77.0L
Interest Earned₹8.02Cr
Wealth Multiplier11.4x

Monthly SIP for ₹5 Crore Retirement Corpus

At 12% pre-retirement returns

Starting AgeYears to 60Monthly SIP
25 years35 years₹5,000
30 years30 years₹9,000
35 years25 years₹17,000
40 years20 years₹33,000
45 years15 years₹67,000
50 years10 years₹1,50,000

The power of compounding: Starting at 25 vs 45 requires 13x less monthly investment!

Retirement Corpus by Monthly Expenses

At 6% inflation, retiring at 60, living till 85

Today's ExpensesAt 60 (30y)Corpus Needed
₹30,000/month₹1.7L/month₹3.2 Cr
₹50,000/month₹2.9L/month₹5.4 Cr
₹75,000/month₹4.3L/month₹8.1 Cr
₹1,00,000/month₹5.7L/month₹10.8 Cr
₹1,50,000/month₹8.6L/month₹16.2 Cr
₹2,00,000/month₹11.5L/month₹21.6 Cr

₹50,000 monthly expenses today = ₹2.9 lakh at 60 due to inflation. Plan accordingly!

Retirement Planning Tips for Indians

🎯

Start Early

Starting at 25 vs 35 can double your retirement corpus with the same monthly investment. Time is your biggest ally.

📈

Use Step-up SIP

Increase your SIP by 10% yearly. This matches salary growth and can increase your corpus by 50-70%.

🏦

Max Out Tax-Saving

EPF (12%), PPF (₹1.5L), NPS (₹50K extra), ELSS - all offer tax benefits + retirement corpus building.

⚖️

Asset Allocation

Rule of thumb: (100 - Age)% in equity. At 30, have 70% equity. Gradually shift to debt as you near retirement.

🏥

Health Insurance

Get ₹50L-1Cr health cover before 45. Medical expenses can derail retirement. Factor in 10-15% premium increase yearly.

🏠

Clear Debt

Aim to be debt-free by 50. No home loan EMI in retirement = lower monthly expenses = smaller corpus needed.

Frequently Asked Questions - Retirement Planning India

How much corpus do I need to retire in India?

The corpus needed depends on your lifestyle. As a rule of thumb: Multiply your annual expenses at retirement by 25-30. For ₹50,000/month expenses today (which becomes ~₹2.9L at 60 with 6% inflation), you need approximately ₹5-6 crore. Use our calculator above for personalized estimates.

What is the 4% withdrawal rule for retirement?

The 4% rule states you can withdraw 4% of your corpus in year one, then adjust for inflation each year. With ₹5 crore corpus, you can withdraw ₹20 lakh/year (₹1.67L/month) in year one. However, for India with higher inflation (6%+), many experts recommend 3-3.5% withdrawal rate for safety.

Is EPF + PPF enough for retirement?

EPF and PPF are excellent but often not sufficient alone. EPF gives ~8.25% return, PPF gives 7.1%. For a ₹15 LPA salary over 30 years, EPF might give ₹1.5-2 crore. Combined with ₹1.5L/year PPF, total might be ₹3-4 crore. Supplement with NPS, mutual funds, and real estate for a comfortable retirement.

Should I invest in NPS for retirement?

NPS offers 10% additional tax benefit (₹50,000) over Section 80C. Returns are market-linked (typically 9-11% for equity). 60% is withdrawable tax-free at retirement, 40% must buy annuity. Good for disciplined savers wanting additional tax benefits and market exposure.

When should I start retirement planning?

Start as early as possible - ideally from your first paycheck. Starting at 25 vs 35 means: Same ₹10,000/month SIP at 12% returns gives ₹5.6 crore at 60 if started at 25, but only ₹1.8 crore if started at 35. That's a 3x difference! The cost of delay is huge.

How do I account for inflation in retirement planning?

India's long-term inflation averages 6-7%. Your ₹50,000/month expenses today will be ₹2.9 lakh/month in 30 years. Always plan for inflation-adjusted expenses. Post-retirement, continue investing in equity (30-40%) to beat inflation. Don't keep everything in fixed deposits.

What is the best investment mix for retirement in India?

Pre-retirement: 60-70% equity (index funds, ELSS), 20-30% debt (PPF, EPF, debt funds), 5-10% gold. Post-retirement: 30-40% equity, 50-60% debt (SCSS, PMVVY, debt funds), 10% liquid. Gradually shift from equity to debt as you approach retirement.

Should I pay off home loan or invest for retirement?

Compare interest rates: If home loan is 8.5% and investment returns are 12%, mathematically investing is better. But being debt-free provides peace of mind. Middle path: Keep home loan running but increase SIP. Aim to clear loan by 50-55, giving 5-10 years of debt-free saving before retirement.

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Disclaimer

This calculator provides estimates for educational purposes. Actual results depend on market conditions, inflation, and investment performance. Consult a SEBI-registered financial advisor for personalized retirement planning.

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