How much money do you actually need to retire comfortably in India? Because inflation quietly doubles your cost of living every 12 years or so, the honest answer is usually “more than you think.” This free retirement calculator shows the corpus you’ll need and the monthly SIP to build it.
How Much Do You Need to Retire?
Find the corpus you'll need to maintain your lifestyle after retirement — adjusted for inflation — and the monthly SIP to get there.
Retirement corpus you'll need
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Monthly expenses at retirement: ₹0
Monthly SIP needed
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Years to retirement
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How this works: your current expenses are grown by inflation to your retirement age, then we compute the corpus needed to fund those (inflation-adjusted) expenses through your life expectancy, using your post-retirement return. The monthly SIP is what it takes to build that corpus by retirement at your pre-retirement return, after accounting for current savings. All figures are estimates based on your assumptions, not guarantees. Size the SIP with our SIP calculator.
Why retirement costs more than you expect
If you spend ₹50,000 a month today, at 6% inflation you’ll need nearly ₹2.9 lakh a month to live the same way in 30 years. Your corpus has to fund that inflated lifestyle for 20–25 years of retirement — which is why the number runs into crores. The calculator does this maths for you.
The one thing that matters most: starting early
Thanks to compounding, starting at 30 instead of 40 can cut your required monthly investment by more than half. The best retirement move isn’t picking the perfect fund — it’s starting a SIP now and increasing it every year. Estimate the growth with our SIP calculator, and consider tax-efficient options like NPS and PPF for part of it.
Financial independence, by choice
Building this corpus is really about freedom — the option to stop working on someone else’s terms. If that idea appeals, read our guide to FIRE in India and the psychology of saving.
Frequently asked questions
How much do I need to retire in India?
It depends on your expenses, inflation, and retirement length. Because inflation compounds over decades, many urban middle-class Indians need several crores. The calculator gives you a personalised figure.
When should I start saving for retirement?
As early as possible. Starting in your 20s or 30s means a far smaller monthly amount than starting in your 40s to reach the same corpus.
What is a safe withdrawal rate in retirement?
A common rule of thumb is to withdraw about 3–4% of your corpus in the first year and adjust for inflation after, though the right rate depends on your assets and life expectancy.
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