Retirement Planner — Corpus & SIP Calculator
Plan your retirement by estimating how large a corpus you'll need to fund your expenses through retirement, then find the monthly SIP required to reach it. The calculator adjusts your current expenses for inflation and uses separate pre- and post-retirement return assumptions.
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Formula
Expense at retirement = current expense × (1+inflation)^years. Corpus uses an inflation-adjusted (real-return) annuity over the retirement years. Required SIP is solved from the future-value-of-annuity formula.
Example
A 30-year-old spending ₹40,000/month, retiring at 60 with 6% inflation, may need a multi-crore corpus and a five-figure monthly SIP.
Frequently Asked Questions
How much corpus do I need to retire in India?
A common rule of thumb is 25–30× your annual expenses at retirement, but the exact figure depends on inflation, returns and life expectancy.
Is NPS good for retirement?
NPS is a low-cost, tax-efficient retirement product with an extra ₹50,000 deduction under 80CCD(1B), though a portion must be annuitised at maturity.
Related calculators
- SIP Calculator — Mutual Fund SIP Returns
- Goal-Based Investment Calculator
- Inflation-Adjusted Goal SIP Calculator
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