Plan your retirement with clarity.
Estimate your future expenses, inflation impact, corpus needs, and monthly investment required for a secure retirement.
Monthly Expenses
Retirement Corpus
Required Retirement Corpus
For 25 years of retirement
Required Monthly SIP
For 25 years
Projected Readiness
Projected value of current savings vs. your goal
✓ Additional Investment Required
Based on the recommended monthly investment, you are on track to achieve your retirement goal.
Projected Readiness
0%
Current
Monthly lifestyle cost today
Future
Monthly lifestyle cost at retirement
Required Corpus
Current Projected Corpus
Current Gap
This view shows your current position before following the recommended SIP.
These insights update automatically as you adjust your retirement assumptions.
Future expenses
Your current ₹50,000 lifestyle may require ₹2,40,160 per month at retirement.
Corpus goal
You may need approximately ₹6.03 crore to sustain this lifestyle in retirement.
SIP guidance
Investing ₹31,775 per month may help you achieve your retirement goal.
Required Monthly SIP
Total Investment
Expected Growth
Illustrative Monthly Income
Initial monthly withdrawal at retirement (grows with 6% inflation annually)
Required
₹6,02,97,255
Inflation's Effect
Your current ₹50,000/month lifestyle could cost ₹2,40,160/month at retirement.
Your Corpus Goal
To sustain that lifestyle, you may need a corpus of approximately ₹6.03 crore.
Retirement Readiness
Your current savings cover 0% of your goal, and the recommended SIP is projected to achieve your target.
The Path Forward
Investing ₹31,775 per month may help you bridge the retirement gap.
Retirement planning is the process of setting financial goals for your post-work life and creating a plan to achieve them. It involves estimating future expenses, calculating the total corpus needed, and determining the systematic investments required to reach that goal.
Inflation is the silent wealth eroder. A lifestyle that costs ₹50,000 per month today could cost over ₹2.14 lakh per month in 25 years, assuming 6% average inflation. A solid retirement plan must account for this by projecting future expenses, not just using today's numbers.
There's no magic number. The required corpus depends on your post-retirement lifestyle, life expectancy, and expected returns. This planner calculates it automatically by using the present value of a growing annuity formula, which accounts for withdrawals that increase with inflation each year.
- Underestimating Inflation: Using today's expenses for future planning.
- Starting Late: Missing out on the most powerful years of compounding.
- Ignoring Healthcare: Not accounting for rising medical costs in old age.
- Being Too Conservative: Investing in low-return assets that don't outpace inflation.
How much money do I need to retire in India?
It depends on your lifestyle. A good starting point is to aim for a corpus that is 25-30 times your expected annual expenses at retirement. Our planner calculates this for you.
What inflation rate should I use?
A long-term average of 6% is a common assumption for general inflation in India. It's wise to use a higher rate, like 8-10%, for specific costs like healthcare.
How much SIP is needed for retirement?
The required SIP is the monthly investment needed to bridge the gap between your required corpus and the future value of your existing savings. The planner calculates this automatically.
These calculations are estimates based on the assumptions you provide. Actual investment returns, inflation, taxes and expenses may differ. This tool is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial advisor before making any investment decisions.