Retirement Corpus Calculator India — How Much Do You Need? 2026

Last updated: 29 April 2026 Reviewed by Deepa Krishnan, CFP

**Retirement corpus planning** answers the most fundamental retirement question: how much money do I need? The answer depends on your current monthly expenses, inflation rate, expected retirement age, life expectancy, and post-retirement investment returns. This calculator uses the annuity-based corpus formula to give you an accurate target number.

Current Monthly Expenses (₹)

Current Age (Years)

Target Retirement Age

Life Expectancy

Inflation Rate (% p.a.)

Post-Retirement Return Rate (% p.a.)

Corpus Needed at Retirement —

Monthly Expenses at Retirement (Inflation-Adjusted) —

Monthly SIP Needed (at 12% return) —

Years of Retirement to Fund —

View Year-by-Year Breakdown

Real-World Examples — 2026

35-year-old targeting retirement at 60

Current monthly expenses ₹80,000. At 6% inflation, expenses at 60 = ₹3,43,000/month. Corpus needed (3% withdrawal rate): ₹3,43,000 × 12 / 0.03 = ₹13.7 crore. Monthly SIP at 12% for 25 years to reach ₹13.7 crore: ₹65,000/month.

Early retirement at 50 — higher corpus needed

Same person targeting retirement at 50 (35 years of retirement, more inflation): corpus needed ≈ ₹6.2 crore (expenses lower as retirement is earlier). Monthly SIP at 12% for 15 years: ₹1,45,000/month. Early retirement requires dramatically higher monthly investment.

Frequently Asked Questions

How much corpus do I need to retire in India?

A popular rule: corpus = 25× annual expenses (4% withdrawal rule). For ₹1 lakh/month expenses at retirement (inflation-adjusted), annual = ₹12 lakh, corpus = ₹3 crore. But with Indian inflation at 6%, medical costs, and increasing longevity, 30× (3.3% withdrawal rate) is safer.

How does inflation affect retirement planning?

₹80,000/month today becomes ₹2,57,000/month in 25 years at 6% inflation. This is why you cannot plan retirement based on today's expenses — you must inflation-adjust. The corpus must be large enough to sustain inflating expenses throughout the retirement period.

What is the safe withdrawal rate for Indian retirees?

The 4% rule (developed for US markets) may be aggressive for India. With 6% inflation and potential market volatility, 3–3.5% withdrawal rate is safer. At 3%: corpus = 33× annual expenses. At 3.5%: corpus = 28× annual expenses. The lower the withdrawal rate, the lower the risk of outliving money.

Is this calculator free?

Yes, completely free on CalcPhi.

Are my inputs stored?

No. Calculations run in your browser.

Is it mobile-friendly?

Yes. Works on all modern smartphones.