There is no single “retire with ₹X” number for every Indian household. Corpus needs follow your lifestyle, city, healthcare, dependents and risk tolerance. Calculators help structure the estimate — they do not replace judgement.
A transparent estimating path
Start with today’s essential monthly expenses. Inflate them to retirement age. Convert to an annual need. Apply a planning multiple (EnrichReturns’ retirement calculator uses 25× annual expenses at retirement). Subtract what existing investments may grow to. The gap drives SIP sizing.
Costs people under-count
Medical inflation, parental support, children’ milestones, and longevity beyond a simple life expectancy assumption. Build explicit buffers rather than assuming the base case is enough.
What to do next
Run the Retirement Calculator with conservative returns. Add NPS/PPF contributions deliberately. Revisit yearly after salary and family changes. Seek a SEBI-registered adviser for personalised plans.