Retirement Calculator India — Corpus and Monthly SIP Needed

Retirement Corpus Calculator

How much do you need to retire comfortably? Calculate your required corpus and monthly SIP to get there.

The 4% Rule Adjusted for India

The global "4% withdrawal rule" suggests a ₹1 Crore corpus sustains ₹4L/year withdrawals. For India, with 6% inflation and 30-year post-retirement horizons, a 3–3.5% safe withdrawal rate is more prudent. This calculator uses the inflation-adjusted withdrawal method and accounts for both accumulation and decumulation phases.

Your Retirement Profile

Current Age

Retirement Age

Life Expectancy (for planning)

Monthly Expenses Today (₹)

Inflation Rate (%)

Pre-Retirement Return (%)

12%

Post-Retirement Return (%)

Existing Retirement Savings (₹)

Required Retirement Corpus

₹—

Monthly SIP Required

—

Corpus Achievable

—

Monthly at Retirement

—

Years of Income

—

Savings progress0%

Return Scenario Range

Conservative

—

@ 9%

Base Case

—

@ 12%

Optimistic

—

@ 14%

Plan with Base; be prepared for Conservative. Actual returns vary.

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Accumulation Phase — Year-wise

Disclaimer: Retirement projections involve many assumptions and will deviate from actuality. This is a planning tool only, not investment advice. Mutual Fund investments are subject to market risks. Actual returns will vary. The post-retirement withdrawal phase assumes corpus is invested in a balanced fund. For a formal retirement plan, consult a SEBI Registered Investment Adviser. ARN-309076.

Discuss with Eswari ← All Calculators

Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.