Retirement Corpus Calculator
Calculate how much you need to save monthly to retire at your target age with your desired monthly income.
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How this calculator works
Retirement planning has two phases: accumulation (saving until retirement) and withdrawal (spending in retirement). The 4% Safe Withdrawal Rate (SWR) is the rule: your corpus should be at least 25× your annual expenses at retirement. This calculator solves both phases — how much to save and how long it lasts.
Required Corpus = Annual expenses at retirement × 25 | Monthly SIP needed = Corpus / [(1+r)ⁿ − 1] × r / (1+r)
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
Start at 25, not 35
Waiting 10 years to start means you need 3× the monthly savings to reach the same corpus. Time is irreplaceable.
Inflation-adjust expenses
Your current ₹50,000/month lifestyle costs ₹2.7L/month at retirement (in 30 years at 6% inflation).
SWR in India is ~3%
The 4% rule is US-based. In India, use 3–3.5% SWR to be safe, given higher inflation and less market history.
Frequently Asked Questions
Waiting 10 years to start means you need 3× the monthly savings to reach the same corpus. Time is irreplaceable.
Your current ₹50,000/month lifestyle costs ₹2.7L/month at retirement (in 30 years at 6% inflation).
The 4% rule is US-based. In India, use 3–3.5% SWR to be safe, given higher inflation and less market history.