How much retirement corpus do I need?

A common benchmark is 25–30× your annual expenses at retirement. The calculator uses inflation-adjusted future expense × an annuity factor based on real return.

What inflation rate should I assume?

India's long-term retail inflation is 5–7%. Using 6% is a sensible planning assumption; medical inflation can be higher.

When should I start retirement planning?

As early as possible. A ₹5,000/month SIP from age 25 can build a much larger corpus than ₹15,000/month from age 40, thanks to compounding.

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Retirement Calculator

Find the corpus needed for a worry-free retirement.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Current Age30 yrs

1860

Retirement Age60 yrs

4070

Monthly Expense Today₹50,000

₹5K₹10L

Inflation %6%

2%12%

Post-Retirement Return %8%

3%15%

Life Expectancy85 yrs

60100

Years to Retirement30 yrs

Future Monthly Expense₹2,87,175

Corpus Needed₹6,86,42,174

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About this calculator

Estimates the lump sum you need at retirement to fund inflation-adjusted expenses for your remaining life expectancy.

Formula

Corpus = inflation-adjusted expense × annuity factor (real return)

Frequently Asked Questions

Everything you need to know about the Retirement Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.