Retirement Corpus Calculator
The honest 'how much do I need at 60' number, with inflation accounted for and the monthly SIP that gets you there.
Your numbers
Your result
You currently spend ₹60,000/month. By age 60, with 6% inflation over 30 years, that same lifestyle will cost ₹3.45 lakh/month. To fund 25 years of that lifestyle, you need a corpus of ₹9.17 crore on the day you retire. To get there from today, you need to invest ₹25,982 every month at 12% returns.
- Your expenses at retirement (monthly)
- ₹3.45 lakh
- Your expenses at retirement (annual)
- ₹41.35 lakh
- Corpus needed at retirement
- ₹9.17 crore
- Years to retirement
- 30 years
- Required monthly SIP
- ₹25,982
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Plan the SIP that hits this corpus
Open the SIP Calculator pre-filled with ₹25,982/month for 30 years. Add a 10% annual step-up and the number actually becomes achievable.
Open it
Why most retirement number estimates are wrong
Two errors are universal. First, people forget inflation. Saying "I will need ₹50,000 a month to retire" sounds reasonable until you remember that in 30 years, ₹50,000 will buy what ₹8,700 buys today. Second, people forget that the corpus needs to last 25 to 30 years, not 5. Indian life expectancy at retirement age is now around 80, and rising. Plan for at least 25 years in retirement.
The three things that change everything
- Start now. Every year of delay roughly increases the required SIP by 10-15 percent. A 25-year-old needs roughly half the SIP a 35-year-old needs for the same retirement.
- Step up annually. A 10 percent annual step-up on your SIP nearly doubles your corpus over 30 years.
- Stay equity-heavy until your 40s. A retirement-target portfolio that is 70-80 percent equity in your 20s and 30s outperforms a "safe" 50-50 portfolio by 50-100 percent over a 30-year window.