Retirement Planner
How much corpus do you need to retire, and how much should you save each month to get there?
Recommended. Inflation significantly impacts retirement corpus needs.
How much corpus do you actually need?
The standard formula: Annual expenses at retirement �— 25 (4% withdrawal rule). But in India with 6% inflation, use 30–33x for safety. If you'll spend ₹1.6 lakh/month at retirement (today's ₹50K inflated over 20 years), you need ₹5.76 crore — not the ₹1.5 crore many people estimate based on today's costs.
Why inflation makes retirement planning hard
₹50,000/month today becomes ₹1,60,354/month in 20 years at 6% inflation. Most people plan for retirement in today's rupees and massively undershoot. Always enable the inflation toggle and plan for future-value expenses. The corpus number will look alarming — that's the correct number.
The cost of starting late
Target: ₹5 crore at 60. At 12% returns: Starting at 25 needs ₹4,500/month SIP. Starting at 30: ₹8,100/month. Starting at 35: ₹14,800/month. Starting at 40: ₹28,000/month. Starting at 45: ₹56,000/month. Each 5-year delay roughly doubles the required monthly investment. Start today, no matter how small.