How is retirement corpus estimated?

It inflates today’s expenses to retirement age, then multiplies by a years-of-expense factor (commonly ~25x annual expenses) as a planning rule of thumb.

What return rate should I use before retirement?

Equity-heavy portfolios often assume 10–12%; conservative mixes use less. Be realistic about sequence-of-returns risk near retirement.

Does this include NPS or EPF?

Existing corpus can represent EPF, NPS, PPF, and investments combined. Use dedicated NPS/PPF tools for scheme-specific projections.

Why does inflation matter so much?

Even modest inflation compounds over decades and can double required expenses. Underestimating inflation understates corpus need.

Is the 25x rule enough?

It is a starting point (related to a ~4% withdrawal idea). Longevity, healthcare, and pensions may require a larger buffer.

Retirement Calculator

Calculate your inflation-adjusted retirement corpus using the 25x annual expenses rule. See your monthly SIP target.

Retirement Inputs

Current Age

Retirement Age

Current Monthly Expenses₹50,000

₹10,000₹2,00,000

Expected Inflation6%

3%10%

Expected Return on Investments12%

6%15%

Existing Retirement Corpus

₹

Retirement Plan

30 years to retirement · Using 25x annual expenses rule

Future Monthly Expenses

₹2,87,175

Inflation-adjusted

Corpus Needed

₹8,61,52,368

Existing Corpus (Future Value)

₹1,49,79,961

Monthly SIP Needed

₹20,163

Gap: ₹7,11,72,407

Next Steps

Turn these numbers into action.

Start a SIP

Use our SIP calculator to plan your monthly investment.

Set Specific Goals

Break retirement into milestones with Goal Planner.

Financial Health Score

Check if you're on track overall.

About Retirement Calculator

Estimate an inflation-adjusted retirement corpus and the monthly SIP needed to get there.

How it works

Enter current age, retirement age, expenses, inflation, returns and existing corpus. See gap and SIP.

Practical tips

Raise SIP with income; don’t ignore healthcare inflation in later years.

Important to know

Assumptions about returns and lifespan are uncertain — build a buffer.

Frequently Asked Questions

How is retirement corpus estimated?: It inflates today’s expenses to retirement age, then multiplies by a years-of-expense factor (commonly ~25x annual expenses) as a planning rule of thumb.
What return rate should I use before retirement?: Equity-heavy portfolios often assume 10–12%; conservative mixes use less. Be realistic about sequence-of-returns risk near retirement.
Does this include NPS or EPF?: Existing corpus can represent EPF, NPS, PPF, and investments combined. Use dedicated NPS/PPF tools for scheme-specific projections.
Why does inflation matter so much?: Even modest inflation compounds over decades and can double required expenses. Underestimating inflation understates corpus need.
Is the 25x rule enough?: It is a starting point (related to a ~4% withdrawal idea). Longevity, healthcare, and pensions may require a larger buffer.