What this estimate uses
Current age, Retirement age, Current monthly expenses, Current retirement savings, Expected inflation, Pre-retirement return, Years in retirement, Post-retirement return.
Planning calculator
Retirement Calculator India: Corpus & Monthly SIP
What will a comfortable retirement require?
Estimate the corpus you may need and the monthly investment required to reach it.
Your estimate
Live result
Target retirement corpus
—How it works
A useful estimate, with the assumptions out in the open.
Expenses rise with the entered inflation rate before and during retirement. The target corpus uses the entered post-retirement return and retirement period; the SIP projection uses the pre-retirement return.
This result is an educational estimate. Rates, taxes, fees, product rules, and market returns can change.
India-focused guide
How much retirement corpus and monthly SIP do I need in India?
Enter age, current expenses, savings, inflation and expected returns. The calculator estimates expenses at retirement, the corpus required for the chosen retirement period and the monthly SIP needed.
Important assumption
Expenses rise with the entered inflation rate before and during retirement. The target corpus uses the entered post-retirement return and retirement period; the SIP projection uses the pre-retirement return.
Created and maintained byAll Tool Central
Formula and content reviewed16 October 2026
See how estimates are builtCalculation methodology
Detailed guide
Understand the result before using it.
This retirement calculator works in two stages: it estimates an inflation-linked spending corpus for the selected years in retirement, then estimates the monthly investment needed to close the gap after allowing the current retirement savings to grow.
How the target retirement corpus is estimated
Current monthly expenses first rise with inflation until the retirement age. During retirement, the calculation uses the real return implied by the entered post-retirement return and inflation, then values the chosen number of annual withdrawals.
The model treats expenses as one annual withdrawal for the corpus formula. It is a planning approximation and does not model month-by-month volatility, taxes, fees, healthcare shocks or a bequest target.
FormulaReal return = (1 + post-retirement return) ÷ (1 + inflation) − 1
Example: age 30, retire at 60
With current expenses of ₹50,000 a month, 6% inflation, 25 years in retirement and a 7% post-retirement return, the first-year monthly expense at retirement is about ₹2.87 lakh. The estimated target corpus is ₹7.64 crore.
If ₹5 lakh is already invested and grows at an assumed 11% before retirement, the model estimates a monthly SIP of about ₹22,960. All returns are smooth assumptions, not forecasts.
| Planning item | Assumption or estimate |
|---|---|
| Years to retirement | 30 years |
| Expense at retirement | ₹2.87 lakh per month |
| Target corpus | ₹7.64 crore |
| Current ₹5 lakh value at retirement | ₹1.14 crore |
| Estimated monthly SIP | ₹22,960 |
Why inflation and retirement length dominate the answer
A retirement plan funds expenses for decades after salary stops. Increasing the retirement period adds withdrawals, while a higher inflation assumption increases both the first-year expense and every later inflation-linked withdrawal.
A post-retirement return only slightly above inflation produces a low real return. That is why an apparently high nominal corpus can still be necessary.
Stress-test the result
- Run a lower pre-retirement return and a lower post-retirement return.
- Test a longer life expectancy and higher personal expense inflation.
- Separate one-off goals, healthcare reserves and dependants from recurring living costs.
- Review asset allocation, tax and withdrawal sequence with a regulated adviser where appropriate.
- Recalculate after major changes in spending, savings, debt or retirement age.
Common questions
Frequently asked questions
Does the retirement corpus keep up with inflation?
The model uses the inflation rate during both the years before retirement and the selected retirement period. It compares inflation with the entered post-retirement return through a real-return calculation.
Why are pre- and post-retirement returns separate?
A portfolio may become more conservative after retirement. Separate inputs prevent the accumulation assumption from being silently reused for the withdrawal phase.
Does the monthly SIP increase every year?
No. The estimated SIP is level and is invested at the beginning of each month at the entered pre-retirement return. A future step-up is not included.
Does the target include medical costs or inheritance?
Only the entered recurring expenses are modelled. Add separate reserves for healthcare, emergencies, major goals or a desired legacy.
Continue planning
Compare the next part of the decision.
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