Retirement calculator · corpus + SIP
Retirement Calculator India 2026: How Much Corpus Do You Need?
By Pratik Bajoria, Chartered Accountant & NISM-certified Research Analyst · Updated 3 October 2026 · EPF/PPF rates as of October 2026
This retirement calculator estimates the corpus you need on the day you retire and the monthly SIP to get there. Unlike a simple "expenses × years" estimate, it lets the corpus keep earning after retirement while withdrawals rise with inflation. Example: ₹50,000 a month today → ₹5.76 crore needed in 25 years (6% inflation, 25-year retirement, 7% post-retirement return) and about ₹36,245/month of SIP at an assumed 11%. All returns are illustrative assumptions.
Retirement corpus needed at retirement
₹9.22 Cr
Retirement corpus formula
E₁ = monthly expense × 12 × (1 + i)^Y · Corpus = E₁ × [1 − ((1 + i)/(1 + r))^N] ÷ (r − i) × (1 + r)
- i = inflation, Y = years to retirement, N = years in retirement, r = post-retirement return.
- Withdrawals are taken at the start of each year and grow with inflation (present value of a growing annuity due).
- SIP needed = (corpus − existing savings grown at the pre-retirement return) ÷ SIP growth factor.
In the example, the first-year withdrawal of ₹25,75,122 is 4.5% of the corpus. Without any post-retirement return you would need ₹6.44 crore instead.
Retirement corpus needed (₹)
| Monthly expense today | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| ₹30,000 | ₹1.93 crore | ₹2.58 crore | ₹3.46 crore | ₹4.63 crore |
| ₹50,000 | ₹3.22 crore | ₹4.31 crore | ₹5.76 crore | ₹7.71 crore |
| ₹75,000 | ₹4.83 crore | ₹6.46 crore | ₹8.65 crore | ₹11.57 crore |
| ₹1,00,000 | ₹6.44 crore | ₹8.62 crore | ₹11.53 crore | ₹15.43 crore |
Assumptions: 6% inflation, 25 years in retirement, 7% post-retirement return.
Monthly SIP needed to build it
| Monthly expense today | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| ₹30,000 | ₹42,093 | ₹29,588 | ₹21,747 | ₹16,355 |
| ₹50,000 | ₹70,155 | ₹49,314 | ₹36,245 | ₹27,259 |
| ₹75,000 | ₹1,05,233 | ₹73,971 | ₹54,367 | ₹40,888 |
| ₹1,00,000 | ₹1,40,311 | ₹98,628 | ₹72,489 | ₹54,518 |
Flat SIP at an assumed 11% before retirement, no existing savings. With a 10% yearly step-up the starting SIP for ₹50,000/25 years drops to about ₹15,419 — model it in the step-up SIP calculator.
Sensitivity: inflation vs post-retirement return (₹50,000/month, 25 years away)
| Inflation ↓ / Post-retirement return → | 6% | 7% | 8% |
|---|---|---|---|
| 5% | ₹4.54 crore | ₹4.09 crore | ₹3.70 crore |
| 6% | ₹6.44 crore | ₹5.76 crore | ₹5.19 crore |
| 7% | ₹9.13 crore | ₹8.14 crore | ₹7.30 crore |
Chart: how the corpus is drawn down
Where the retirement money comes from
| Source | Current rule / rate | Plan with |
|---|---|---|
| EPF | 8.25% for FY 2025-26; tax-free within limits | EPF calculator |
| NPS | Market-linked; up to 80% lumpsum at exit (non-govt), 60% tax-free | NPS calculator |
| PPF | 7.1% (Oct–Dec 2026); EEE | PPF calculator |
| Gratuity | 15/26 × last wages × years; ₹20 lakh tax-free (private sector) | Gratuity calculator |
| SCSS (after 60) | 8.2% (Oct–Dec 2026), quarterly payout | SWP calculator for withdrawals |
| Mutual funds | Market-linked; SIP to fill the gap | SIP calculator |
Read the full framework in the retirement planning guide and how the new NPS exit rules change pension income in the NPS 80:20 explainer.
Frequently asked questions
How much corpus do I need to retire in India?
It depends on expenses, inflation, years to retirement and how long the money must last. Illustration: ₹50,000 a month today, 6% inflation, retiring in 25 years and planning for 25 years of retirement with the corpus earning 7% needs about ₹5.76 crore at retirement — because ₹50,000 becomes about ₹2,14,594 a month by then.
How does this retirement calculator work?
It inflates today's monthly expense to your retirement year, then finds the corpus that can pay that expense (rising with inflation every year) for your chosen retirement period while the unspent money keeps earning the post-retirement return. It then works out the monthly SIP needed, after counting existing savings grown at the pre-retirement return.
How much SIP do I need for retirement?
For the example above, about ₹36,245 a month for 25 years at an assumed 11%, or about ₹15,419 a month to start if you raise the SIP by 10% every year. Returns are assumptions, not guarantees.
What inflation rate should I use?
Many planners use 6–7% for household expenses and higher for healthcare. Small changes matter: over 25 years, 7% instead of 6% inflation raises the required corpus by about 40% in the example on this page (more expensive retirement years and a lower real return). Test a range.
Do EPF, NPS and PPF count toward the corpus?
Yes — enter their current balances as existing savings, or project them separately: EPF earns 8.25% (FY 2025-26), PPF 7.1% (Oct–Dec 2026), and NPS is market-linked with up to 80% lumpsum at exit for non-government subscribers. Gratuity up to ₹20 lakh is tax-exempt for private-sector employees.
Is the result advice?
No. It is an educational estimate based on your assumptions. Real returns vary year to year, and health costs, family support and longevity can change your needs. Review the plan every year.
Educational tool only — not investment, tax or legal advice. Figures are formula-based illustrations using the stated assumptions; actual outcomes depend on notified rates, rules and your specific facts. Verify with official sources or a qualified professional before acting. Findost (findost.io) and PaisaGuru by Findost are not affiliated with Findoc, FinDost, or other similarly named brands. PaisaGuru is the AI wealth concierge of Findost.