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Retirement Calculator India 2026 – Corpus & Monthly Savings
Use this free Retirement Calculator in India to find your retirement corpus goal, account for inflation, and plan exactly how much to invest each month.
Corpus needed + monthly savings
Required Corpus
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Corpus Needed
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Future Monthly Spend
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Save Monthly Now
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❓ FAQs
How does this calculator work?▼
Enter the required values and click Calculate. Results appear instantly using standard financial formulas.
Is this free?▼
Yes, completely free. No login or signup required.
Are calculations accurate?▼
Yes, industry-standard formulas. For large decisions, consult a financial advisor.
📊 What is the Retirement Calculator and How Does It Work?
The retirement calculator estimates the corpus needed to fund retirement years, accounting for current expenses, inflation adjustment, expected portfolio returns, and life expectancy post-retirement. It then shows the monthly savings needed to reach that target.
Formula
Corpus = Inflation-adjusted annual expenses / Safe Withdrawal Rate | Monthly SIP = (Target – current savings) × r / [(1+r)^n – 1]🪓 Step-by-Step: How to Use This Calculator
- Enter current monthly expenses
- Enter current age and planned retirement age
- Set expected inflation rate and post-retirement portfolio return
- Enter expected years in retirement (life expectancy – retirement age)
- Click Calculate to see target corpus and required monthly savings
📌 Example Calculation
Age 35, retiring at 60, expenses ₹50,000/month at 6% inflation: need ~₹5.2 Cr corpus. Monthly SIP of ~₹25,000 at 10% returns builds this in 25 years.
✅ Benefits of Using This Calculator
- Know your exact retirement number in today's terms
- Account for inflation's impact on purchasing power
- Plan monthly SIP to reach exact corpus
- Model different retirement ages and life scenarios
- Include post-retirement pension and rental income
- Understand why starting 10 years earlier cuts required savings by 3–4×
⚙️ Key Factors That Affect Results
- Current age and target retirement age
- Current monthly expenses — determines corpus base
- Inflation rate — 6–7% for India
- Expected return on retirement portfolio — equity vs debt mix
- Life expectancy — how long corpus must last
- Post-retirement income sources like pension
❓ Frequently Asked Questions
How much retirement corpus is enough?▼
25× annual expenses using the 4% rule. For India's higher inflation, 28–30× is safer for a 30–40 year retirement.
Should I include EPF in retirement planning?▼
Yes. EPF, NPS, and PPF all count toward corpus. Subtract their projected values from total needed.
What return rate to assume?▼
Pre-retirement: 10–12% (equity-heavy). Post-retirement: 7–8% (balanced/debt-heavy). Reduce equity as you approach retirement.
What is the 4% withdrawal rule?▼
Withdraw 4% of corpus in year 1, adjust for inflation annually. Historically lasts 30+ years in diversified portfolios.
When should I start planning?▼
Now — regardless of age. Starting at 25 vs 35 reduces required monthly savings by 3–4×.