What inflation rate should I assume?

6 percent is a common long-term assumption for India. Healthcare inflation is often higher, so increase the rate if a large share of your expenses is medical.

Should the post-retirement return be lower?

Typically yes. Risk capacity drops in retirement, so most planners assume 6 to 7 percent post-retirement versus 10 to 12 percent during accumulation.

Does this include pension or rental income?

No. Subtract any reliable post-retirement income streams from the required corpus before deciding your SIP target.

What if I start late?

Late starters need a sharply higher SIP. Stepping up contributions every year or extending working years are the two main levers.

Retirement corpus calculator

A retirement plan starts with knowing your number. This tool projects the corpus you will need by retirement based on today's expenses, expected inflation, and post-retirement years, then works back to the monthly SIP required to get there.

Retirement corpus calculator

Find out how much you need to retire comfortably and the SIP to get there.

Current age

30 yrs

Retirement age

60 yrs

Life expectancy

85 yrs

Monthly expenses today (₹)

₹50,000

Expected inflation (% p.a.)

Post-retirement return (% p.a.)

Corpus needed

₹7.64 Cr

at retirement

Inflation-adjusted expense

₹2.9 L/mo

monthly at age 60

SIP needed now

₹62,647/mo

at 7% return

Real return = post-retirement return minus inflation. Corpus assumed to earn returns while being drawn down. Ignores existing savings, PF, gratuity, and rental income.

How this is calculated

Inputs you provide: current age, retirement age, current monthly expenses, expected inflation, post-retirement years, and pre and post-retirement return rates.
Today's expenses are inflated to the year of retirement.
Corpus required is the present value of those inflated expenses over the post-retirement period.
Years to retirement and the assumed pre-retirement return rate determine the monthly SIP.
The result assumes the corpus continues to earn the post-retirement rate during withdrawal.

Common questions

What inflation rate should I assume?: 6 percent is a common long-term assumption for India. Healthcare inflation is often higher, so increase the rate if a large share of your expenses is medical.
Should the post-retirement return be lower?: Typically yes. Risk capacity drops in retirement, so most planners assume 6 to 7 percent post-retirement versus 10 to 12 percent during accumulation.
Does this include pension or rental income?: No. Subtract any reliable post-retirement income streams from the required corpus before deciding your SIP target.
What if I start late?: Late starters need a sharply higher SIP. Stepping up contributions every year or extending working years are the two main levers.