Enter your current age, retirement age, current savings, and monthly investment. The calculator shows your projected corpus vs what you actually need, with inflation factored in.
Additional Monthly SIP Needed
on top of your current investment to close the gap
Total Monthly SIP Required
₹0
to fully fund your retirement at your target date
Corpus if You Retire at 65
₹0
projected corpus if you delay retirement by 5 years
Monthly Income in Retirement
₹0
at 4% annual withdrawal from your projected corpus
Retirement Planning: Everything You Need to Know
How much do I need to retire in India?+
A common benchmark is 25–30× your annual expenses at retirement (the 4% withdrawal rule). If your inflation-adjusted monthly expenses at retirement will be ₹1 lakh, you need ₹1.2 Cr to ₹1.5 Cr. However, longer retirements (30+ years) and rising healthcare costs mean many planners now use 30× (3.3% withdrawal rate) for safety. This calculator defaults to the 4% rule with inflation adjustment.
What is a retirement gap and why does it matter?+
A retirement gap is the difference between what your current savings trajectory will produce and what you actually need to retire comfortably. Most Indians significantly underestimate this gap because they don't account for inflation. A ₹50,000/month expense today will cost over ₹1.6 lakh/month in 20 years at 6% inflation. Planning without inflation adjustment leaves dangerous gaps.
How do I close my retirement gap?+
You have four main levers: (1) Increase monthly SIP contributions — most effective lever. (2) Delay retirement age — even 2–3 extra years dramatically improves outcomes. (3) Increase return rate — shifting from FD to equity over long horizons. (4) Reduce planned retirement expenses — lifestyle choices. Usually a combination of levers 1 and 2 is the most practical approach.
How much should I invest for retirement each month?+
Work backwards from your goal. If you need ₹5 Cr in 25 years at 12% returns, you need approximately ₹30,000/month SIP. If you start 10 years later, that jumps to around ₹90,000/month for the same target. Starting early is by far the most powerful retirement strategy — the mathematics of compounding reward early starters disproportionately.
Should I include EPF and PPF in my retirement corpus?+
Yes, absolutely. EPF and PPF are excellent tax-efficient retirement vehicles. Add your current EPF/PPF balance to your "current savings" in this calculator, and include any regular contributions in your "monthly investment" figure. Both EPF (currently ~8.15%) and PPF (7.1%) provide stable, guaranteed, tax-free returns — a solid foundation for the debt portion of your retirement portfolio.