Calculate how much retirement corpus you need for a comfortable retirement considering inflation, monthly expenses, and life expectancy.
📝 Your Current Details
When you plan to stop working
Up to what age you need funds
💰 Financial Details
Your current monthly household expenses
Expected annual inflation (typical 5-7% in India)
Expected post-retirement investment returns
Any existing retirement corpus, EPF, PPF, NPS, etc.
📖 Retirement Planning Guide by Age
Age Group
Corpus Multiple (Annual Expense)
Monthly SIP Needed
Recommendation
25-30 years
40-50x
₹15,000-25,000
Start early, invest in equity
30-35 years
35-45x
₹25,000-40,000
Increase SIP yearly
35-40 years
30-40x
₹40,000-60,000
Balanced portfolio
40-45 years
25-35x
₹60,000-90,000
Start debt allocation
45-50 years
20-30x
₹90,000-1,50,000
Increase savings aggressively
50-55 years
15-25x
₹1,50,000+
Shift to safer instruments
📊 FIRE (Financial Independence Retire Early) Targets
FIRE Type
Corpus Multiple
Retirement Age
Withdrawal Rate
Lean FIRE
25x annual expenses
40-45 years
4% rule
Regular FIRE
30-35x annual expenses
45-50 years
3.5% rule
Fat FIRE
40-50x annual expenses
50-55 years
3% rule
Coast FIRE
Half corpus, let compound
55-60 years
Work part-time
📝 Frequently Asked Questions
❓ How much retirement corpus is enough in India? ▼
A common rule is 30-40 times your annual expenses. For example, if your monthly expense is ₹50,000 (₹6 lakh/year), you need ₹1.8-2.4 crore corpus. This calculator provides a personalized estimate considering inflation and life expectancy.
❓ What is the 4% rule for retirement? ▼
The 4% rule suggests withdrawing 4% of your corpus annually. If you need ₹12 lakh/year, you need ₹3 crore (12 lakh ÷ 0.04 = 3 crore). This calculator uses a more dynamic formula considering inflation.
❓ How does inflation affect retirement planning? ▼
Inflation reduces purchasing power. At 6% inflation, expenses double every 12 years. Your retirement corpus must grow faster than inflation. This calculator factors inflation into monthly expense projections.
❓ What is the best investment for retirement? ▼
Mix of equity (for growth) and debt (for stability). NPS, PPF, EPF, mutual funds, and senior citizen savings schemes. As retirement nears, increase debt allocation to protect corpus.
❓ How much should I save monthly for retirement? ▼
Use the 50/30/20 rule: 20% of income for savings. For retirement specifically, aim for 15-25% of income. Start early - a 25-year-old saving ₹10,000/month can build ₹4+ crore by 60 at 12% returns.
💡 Disclaimer: This calculator provides estimates. Actual retirement needs vary based on lifestyle, healthcare costs, and market returns. Consult a financial advisor for personalized planning.