Calculator
Retirement calculator
How much is 'enough'? Your expenses, inflated to retirement, converted to a corpus and a SIP.
₹29,288/mo
- Corpus needed (30 yrs)₹10.34 Cr
- Annual spend at retirement₹41.35 L
Hover any bar for the yearly breakup.
4% rule: corpus = 25× first-year retirement spend. Assumes expenses stay flat in real terms after retiring.
What this calculator answers
Retiring at 60 from age 30 with ₹60,000 a month of expenses today needs about ₹10.34 crore at retirement and a monthly investment of about ₹29,288 at a 12% pre-retirement return. Enter your age, expenses and return to see the corpus and the SIP that builds it.
How it is calculated
Annual expenses at retirement are the current monthly expenses × 12 inflated at 6% a year. The corpus needed is 25× that annual figure, following the 4% safe-withdrawal rule, and the reverse-SIP formula solves the monthly investment required at the pre-retirement return.
Defaults are age 30 today, retirement at 60, ₹60,000 monthly expenses, 6% inflation and a 12% pre-retirement return. Post-retirement returns and taxes are not modelled.
Common questions
Why 25× annual expenses?
25× corresponds to a 4% withdrawal rate, meaning the corpus is meant to fund about 4% of its value each year. A more conservative 3% would need roughly 33×.
What if I start at 40 instead of 30?
The target grows because of ten extra years of inflation, and there are ten fewer years to build it, so the required monthly investment rises on both counts. Change the ages to see the difference.
Does it include my EPF or NPS?
No — this planner solves a single equity SIP. To stack EPF, PPF, NPS, SSY and an existing corpus against the same target, use the FIRE planner.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.