Planning calculator

Retirement corpus calculator

Find out how much money you need when you retire to keep your lifestyle, and how much to invest each month to build it.

  • Updated 22 Oct 2026
  • Reviewed by the WealthFeedz team
  • Calculated on your device

Your plan

₹50,000

Corpus you need at 60

₹7.29 crore

₹7,29,26,275, about 21× your yearly expenses then

Monthly expenses at 60
₹2,87,175
Savings will grow to
₹1.14 crore
Still to build
₹6.15 crore

From savings 16%Still to build 84%

Start a SIP of ₹8,193 a month

raising it 10% every year. Without the yearly raise, you'd need ₹21,723 a month.

Returns and inflation are assumptions, not guarantees. Revisit your plan every year or two.

How we work out your retirement corpus

  1. Future expenses. Your monthly expenses grow with inflation until you retire. ₹50,000 today at 6% becomes about ₹2,87,175 a month in 30 years.
  2. Corpus. From retirement, you withdraw that amount every month, raised with inflation each year, while the rest stays invested at 7%. The corpus is the amount that lasts exactly until age 85: about ₹7.29 crore.
  3. Monthly SIP. Your existing ₹5 lakh grows to about ₹1.14 crore at 11%. The rest, ₹6.15 crore, comes from a monthly SIP of ₹8,193 raised 10% a year.

Expenses at retirement = today's expenses × (1 + inflation)years to retirement

Ways to make the target easier

Start earlier, raise your SIP every year with your salary, retire a few years later, or plan for lower expenses after retirement (no home loan, no children's fees). Even a few years make a large difference because of compounding.

Questions people ask

Why is the number so large?

Because of inflation. At 6% a year, prices roughly double every 12 years, so ₹50,000 of monthly expenses today become close to ₹2.9 lakh a month in 30 years. Your corpus then has to cover 25 or more years of rising expenses.

What returns should I assume?

Before retirement, a mix of equity and debt has often returned 10–12% over long periods, but nothing is guaranteed. After retirement, most people move to safer investments, so a lower return such as 6–8% is more realistic.

Is the 25× rule enough?

The popular rule of thumb says save 25 times your yearly expenses. In India, with higher inflation and long retirements, the number you need is often higher. This calculator works it out from your own assumptions.

Should I count my EPF, PPF and NPS?

Yes. Add what they hold today under current savings. Their future contributions reduce the monthly SIP you need, so you can subtract them from the result.

Method and sources

Corpus = present value at retirement of monthly withdrawals at the start of each month until the planning age, rising by inflation every 12 months, discounted at the post-retirement return compounded monthly. Existing savings compound yearly at the pre-retirement return. The SIP uses the same method as our SIP calculator. Tax on returns is not included. How we calculate.

Last reviewed 22 Oct 2026 by the WealthFeedz team.

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