Retirement Corpus Planner
How Much to Retire Comfortably?
Inflation-Adjusted & Personalised

Calculate your exact retirement corpus using inflation rates, life expectancy, and post-retirement returns. Get your monthly SIP target and visualise your wealth journey.

🏆 Corpus Calculator📈 Inflation-Adjusted💰 SIP Target🏖️ Retirement Timeline🆓 Free

Retirement Planning Highlights

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25×ANNUAL EXPENSES RULE

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6–7%INDIA INFLATION

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30+ yrsPLAN FOR LONGER

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4%SAFE WITHDRAWAL RATE

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₹5K/mo from Age 25

₹3.2 Cr

At 60 @ 12%

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₹60K/mo expenses

₹5–6 Cr corpus

Needed at 60

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Start at 35 vs 25

65% Less

Cost of delay

🏆 Calculator 📊 Infographics 📖 Guide 💡 Tips ❓ FAQ

Retirement Corpus Planner

How much do you need to retire comfortably — personalised, inflation-adjusted

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Plan Your Retirement Number

Accounts for inflation, life expectancy, and post-retirement returns

🎂 Current Age30 yrs

204060

🏖️ Retirement Age60 yrs

405570

💼 Monthly Expenses (Today)₹60,000

₹10K₹2.5L₹5L

📈 Inflation Rate6%

3%7%12%

📊 Pre-Retirement Return (p.a.)12%

6%12%18%

🏦 Post-Retirement Return (p.a.)7%

3%7%12%

📅 Life Expectancy85 yrs

7085100

💰 Existing Savings₹5,00,000

₹0₹50L₹1Cr

Retirement Planning — At a Glance

Key numbers every Indian planning retirement must understand

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25×

Corpus Rule of Thumb

Annual expenses × 25

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6–7%

India Inflation Avg

Long-term CPI average

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30+ yrs

Plan For This

Medical advances extend life

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Safe Withdrawal Rate

Annual draw from corpus

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12%

Equity CAGR Target

Accumulation phase goal

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₹5K/mo

Start at Age 25

Grows to ₹3.2 Cr by 60

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40%

Indians On Track

Only 4 in 10 save enough

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Post-Retirement Return

Conservative portfolio target

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Corpus Needed by Expense Level

Retiring at 60 with 30-year duration, 6% inflation, 7% post-retirement return

₹30K/month expenses today₹2.5 – 3 Cr needed

₹60K/month expenses today₹5 – 6 Cr needed

₹1 Lakh/month today₹8 – 10 Cr needed

₹2 Lakh/month today₹16 – 20 Cr needed

Retirement expenses typically fall to 70–80% of pre-retirement spending. Corpus must beat inflation for 30+ years post retirement.

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The 5-Phase Retirement Timeline

What to focus on at each life stage

Age 20–30

🌱 Foundation Phase

Start ₹3,000/month SIP — even small amounts compound dramatically over 35 years. Get term + health insurance. Build emergency fund of 6 months expenses.

Age 30–45

🚀 Accumulation Phase

Aggressively build wealth with 80–100% equity. Increase SIP with every salary hike. Start NPS Tier 1 for ₹50K extra 80CCD(1B) tax saving. Clear all high-interest loans.

Age 45–55

⚖️ Consolidation Phase

Reduce equity to 60–70%. Increase debt allocation. Clear home loan. Max EPF, PPF, NPS. Review corpus — are you on track? Increase SIP aggressively if behind.

Age 55–60

🎯 Pre-Retirement Phase

Shift to 40% equity, 60% debt. Plan withdrawal strategy. Explore SCSS, PMVVY for guaranteed post-retirement income. Consider annuity for 30–40% of corpus.

Age 60+

🏖️ Retirement Phase

SWP from balanced/debt funds at 4% annual rate. Keep 2 years expenses in liquid. Bucket strategy for sequence-of-returns risk protection.

Retirement Planning Masterclass

Everything you need to know about building your retirement corpus in India

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The Corpus Formula

How Much You Need

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Future Monthly Expense

✓

= Today Expense × (1+inflation)^Years × 0.8

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Corpus = Annual Expense × [(1-(1+r)^-n)/r]

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r = real return (post-ret − inflation)

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n = retirement duration years

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Power of Starting Early

₹5K/mo from age 25 → ₹3.2 Cr at 60
₹5K/mo from age 35 → ₹1.1 Cr at 60
₹5K/mo from age 45 → ₹30L at 60
10-year delay = 65% less corpus
Start small, start NOW

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Best Instruments by Phase

Age 25–45: Equity index SIP, NPS Equity Tier
Age 45–55: Balanced advantage, PPF
Age 55–60: Debt funds, SCSS, FD laddering
Post 60: SWP + SCSS + annuity portion

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5 Mistakes to Avoid

Relying only on EPF and NPS (insufficient)
Underestimating inflation (6–7% in India)
Ignoring healthcare inflation (12%+)
Stopping SIP during market crashes
Withdrawing retirement savings for other goals

Pro Tips — Retirement Planning

Strategies that can add crores to your retirement corpus

🏆 #1 Most Powerful

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The 10% Step-Up Rule Creates 2–3× More Wealth

Increasing your SIP by just 10% annually compounds dramatically. ₹10,000/month flat for 30yr @ 12% = ₹3.5 Cr. Same ₹10,000 with 10% annual step-up = ₹8.2 Cr — 2.3× more wealth for barely any extra effort each year.

₹10K flat → ₹3.5 Cr · ₹10K with 10% step-up → ₹8.2 Cr · Automate the increase on your SIP platform

💡 Tax Smart

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NPS Tier 1 Saves ₹15,000 Extra Tax Every Year

Beyond the ₹1.5L 80C limit, NPS gives an additional ₹50,000 deduction under 80CCD(1B). At 30% bracket this saves ₹15,600 in tax every year — invest those savings back into equity SIP for compounding.

₹15,000/yr tax saved → reinvested in equity for 30yr @ 12% = ₹52 Lakh extra at retirement

📊 Asset Allocation

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100 Minus Age — The Simplest Rule That Works

Equity allocation % = 100 − your age. At 30: 70% equity, 30% debt. At 50: 50/50. At 65: 35% equity, 65% debt. This automatic de-risking protects your corpus as you approach and enter retirement.

Rebalance once a year. Never rebalance during crashes — let equity recover first

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Calculate Target

Use this tool

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Start SIP Now

Equity index fund

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Step Up Yearly

10% annually

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Review Yearly

Track + adjust

Frequently Asked Questions

Retirement corpus planning — every question answered