Retirement Calculator
Plan how much you need to save for a comfortable retirement and what SIP may get you there.
30 yrs
60 yrs
₹50,000
6%
12%
Retirement Corpus Needed
₹8.62 Cr
in 30 years at retirement
Monthly Expenses at Retirement
₹2.87 L
adjusted for 6% inflation
Monthly SIP Required
₹24,650
to reach your goal
Rule of 25: You need 25x your annual retirement expenses as corpus to sustain lifestyle indefinitely (4% withdrawal rate).
How the Retirement Calculator works
- This planner estimates the corpus you may need so that investment income can support post-retirement expenses.
- It inflates today’s expenses to retirement age, then applies a simple multiple (rule of 25 / ~4% withdrawal).
- It also backs into a monthly SIP that could grow to that corpus at your assumed return rate.
- Real plans should also include EPF, NPS, pensions, and healthcare inflation separately.
Example: Age 30, retire at 60, ₹50,000 monthly expenses today
At 6% inflation, expenses at 60 are much higher. Using 25× annual expenses, corpus needs often land in crores. Starting a SIP in the teens of thousands early is usually easier than catching up after 45.
Practical tips
- Increase equity allocation while you are young; glide toward debt as retirement nears.
- Treat NPS Tier I and EPF as core retirement anchors, then add mutual fund SIPs.
- Build a separate health insurance buffer — medical inflation often outruns general inflation.
- Review the plan every 2–3 years after salary changes or major life events.
Frequently asked questions
- What is the rule of 25?
- Multiply annual retirement expenses by 25 for a rough corpus that supports a 4% annual withdrawal. It is a starting heuristic, not a guarantee.
- Should I include EPF in this calculator?
- This tool shows the total corpus target. Subtract expected EPF/NPS balances to find how much your SIPs still need to cover.
- Is 12% return realistic?
- Long-term equity-oriented portfolios have historically delivered double-digit averages in India, but sequences of returns vary. Stress-test at 8–10% as well.
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Disclaimer: Calculator outputs are educational estimates only and do not constitute investment, tax, or loan advice. WealthWire is not SEBI registered. Verify figures with your bank, AMC, or a qualified adviser before acting.