What's a realistic retirement corpus for Indians?

For a ₹50k/month expense today, retiring at 60 with life expectancy 85, assuming 6% inflation and 8% post-retirement return, you'd need roughly ₹7–8 crore. Higher than most expect — which is why starting early matters.

Can I retire before 60?

The FIRE (Financial Independence, Retire Early) movement targets 40–50. Use a higher inflation cushion, lower post-retirement return (conservative), and plan for 30+ years in retirement. Rule of thumb: 25–30× annual expenses.

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Retirement Calculator — how much corpus do you need?

Plan your retirement corpus and monthly SIP needed to get there. Accounts for inflation, pre- and post-retirement returns.

Inputs

Current age30 yrs

1865

Retirement age60 yrs

4075

Life expectancy85 yrs

60100

Current monthly expense₹50,000

₹5,000₹10.00 L

Inflation (p.a.)6%

115

Return pre-retirement (p.a.)12%

130

Return post-retirement (p.a.)8%

120

Result

Corpus needed at retirement

₹6.82 Cr

Monthly SIP needed

₹19,316

Expense at retirement (monthly)

₹2.87 L

Years to retire

Retirement duration (yrs)

About the Retirement Calculator

Retirement planning in India is a three-variable problem: how long you'll live after retiring, how inflation erodes your money's value, and what return your corpus generates in retirement.

This calculator uses a two-phase model. Pre-retirement: you invest at a higher-return portfolio (typically equity-heavy). Post-retirement: you shift to lower-risk (debt-heavy) and withdraw gradually, assuming annual inflation in expenses.

The monthly SIP shown is what you'd need to invest from today to hit your retirement corpus. Rising inflation (from 6% to 7%) can increase required SIP by 30–40% — it's the single biggest lever.

Retirement — Frequently asked questions

It projects your future monthly expense using inflation, computes the corpus needed to sustain that expense for your retirement duration using real return (post-retirement return minus inflation), then calculates the monthly SIP needed to build that corpus.

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