🌅 Retirement Planning
Retirement Calculator
Calculate how much corpus you need to retire comfortably in India, accounting for inflation, life expectancy, and current savings. Find exactly how much to SIP monthly to reach your retirement goal.
25× Rule
Annual expenses × 25 = retirement corpus needed
4% SWR
Safe annual withdrawal = 4% of corpus
Rule of 72
72 ÷ return rate = years to double money
Retirement Calculator
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Your Retirement Plan
Corpus Needed
₹5.2 Cr
Monthly SIP Required
₹18,500
Years to Retire
30 yrs
Monthly Income at Retire
₹3.44L
Retirement Planning FAQs
How much corpus do I need to retire in India?
Use the 25x Rule: Annual expenses × 25 = corpus needed. For ₹60,000/month = ₹7.2L/year × 25 = ₹1.8 Cr (at today's value). But accounting for inflation (6% for 30 years), ₹60,000 today = ₹3.44L/month at retirement. So inflation-adjusted corpus needed = ₹3.44L × 12 × 25 = ₹10.3 Cr.
What is the best investment for retirement in India?
Diversified retirement portfolio: (1) Equity mutual funds (ELSS, large-cap, flexi-cap) for growth — 60-70% for young investors, (2) PPF/EPF for guaranteed tax-free returns — 15-20%, (3) NPS for retirement-focused pension with 80CCD benefits — 10-15%, (4) FD/Debt funds for stability as you approach retirement — increase allocation with age.
What is FIRE in retirement planning?
FIRE = Financial Independence, Retire Early. It requires saving 50-70% of income aggressively, reaching 25× annual expenses in investable assets, then withdrawing at ≤4% per year. In India, lean FIRE targets ₹1-2 Cr corpus (frugal lifestyle), while fat FIRE targets ₹5-10+ Cr for comfortable early retirement.
How does inflation affect retirement planning?
At 6% inflation, purchasing power halves every 12 years. ₹50,000/month today = ₹2.86 lakh/month in 30 years. Your retirement corpus must not only maintain but outgrow inflation. Equity investments historically provide 12-15% returns in India vs 6% inflation, giving a real return of 6-9%. This is why equity allocation is critical in long-term retirement portfolios.