Quick answer
A 30-year-old spending ₹50,000 a month today will need about ₹7,71,48,478 at 60 to last till 85, assuming 6% inflation and 7% returns after retirement. Expenses will be about ₹2,87,175 a month by then. Building that needs a monthly SIP of about ₹27,259 at 11% returns, starting now.
Key takeaways
- Inflation is the biggest factor: at 6%, expenses grow about 5.7 times in 30 years.
- Starting 10 years earlier can cut the SIP you need by more than half.
- Count EPF, PPF and NPS balances as existing savings.
- Plan to at least age 85. Running out of money is a bigger risk than leaving some behind.
How the retirement corpus is calculated
First, your current expenses are inflated to your retirement age. Then the calculator finds the corpus that can pay those expenses, rising with inflation every year, until your chosen age, while the remaining money earns your post-retirement return.
Corpus = Er × [1 − (1 + g)−N] ÷ g × (1 + g)- Er = yearly expenses at retirement
- g = real return = (1 + post-retirement return) ÷ (1 + inflation) − 1
- N = years in retirement
Corpus needed by monthly expense
| Monthly expense today | Age 25 now | Age 30 now | Age 35 now | Age 40 now | Age 45 now |
|---|---|---|---|---|---|
| ₹30,000 | ₹6.19 Cr | ₹4.63 Cr | ₹3.46 Cr | ₹2.58 Cr | ₹1.93 Cr |
| ₹50,000 | ₹10.32 Cr | ₹7.71 Cr | ₹5.76 Cr | ₹4.31 Cr | ₹3.22 Cr |
| ₹75,000 | ₹15.49 Cr | ₹11.57 Cr | ₹8.65 Cr | ₹6.46 Cr | ₹4.83 Cr |
| ₹1,00,000 | ₹20.65 Cr | ₹15.43 Cr | ₹11.53 Cr | ₹8.62 Cr | ₹6.44 Cr |
| ₹1,50,000 | ₹30.97 Cr | ₹23.14 Cr | ₹17.29 Cr | ₹12.92 Cr | ₹9.66 Cr |
Frequently asked questions
How much money do I need to retire in India?
A common rule of thumb is 25–33 times your yearly expenses at retirement. Because of inflation, someone spending ₹50,000 a month today needs a corpus of several crores in 25–30 years. Use the calculator with your own numbers.
What is the 4% rule and does it work in India?
The 4% rule says you can withdraw 4% of your corpus in year one and raise it with inflation. It comes from US data. With higher inflation in India, many planners use 3–3.5% to be safe.
Is ₹1 crore enough to retire?
For most urban families retiring 20+ years from now, no. ₹1 crore at 7% supports about ₹40,000–45,000 a month in today’s money for only a limited number of years once inflation is counted.
Sources & methodology
Formulas follow the standard methods used by Indian banks, fund houses and government schemes. Rates and tax rules were checked against official sources on 1 October 2026. Read our methodology.
This calculator gives an estimate for planning purposes. Actual returns, tax and eligibility depend on your situation and on product terms. It is not financial advice.