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Retirement Calculator v2 — India

Beyond just "how big a corpus" — this calculator models both phases: accumulation (how your SIP grows till retirement) and withdrawal (how the corpus depletes with inflation-adjusted spending). Includes the 4% safe-withdrawal stress test calibrated for India's higher inflation, longevity scenarios (lives to 75 / 85 / 95), and a real-time adequacy verdict. If you only need the simple "corpus needed" number, the original Retirement Calculator is still available.

About you

Lifestyle & expenses

Inflation & returns

Current savings

Required SIP from today
Rs 22,500/mo
to retire at 60 with target lifestyle
✓ Your plan looks feasible at current savings rate
Accumulation phase (today → retirement)
Years to retirement30 years
Future monthly expense (real)Rs 2,87,500
Annual expense at retirementRs 34.5 L
Corpus required at retirementRs 10.3 Cr
Existing corpus will grow toRs 1.49 Cr
Gap to fill via SIPRs 8.81 Cr
Withdrawal phase (retirement → life expectancy)
Withdrawal phase length25 years
Lifetime withdrawals (nominal)Rs 30+ Cr
Real safe withdrawal rate3.3%
FIRE corpus multiple (30x rule)30.0x

Two-phase plan visualised

Retirement planning is not one decision — it's two. The accumulation phase is about growing the corpus. The withdrawal phase is about making it last through 25-35 years of post-retirement life with inflation-adjusted spending.

Phase 1 — Accumulation

From age 30 to 60 (30 years): monthly SIP of Rs 22,500 at 12% returns + existing Rs 5L → final corpus Rs 10.3 Cr at retirement.

Equity-heavy (70-80%) is appropriate here

Phase 2 — Withdrawal

From age 60 to 85 (25 years): withdraw Rs 2.87 L/month initially, rising 6%/yr with inflation; corpus earning 8%; depletes to ~zero by age 85.

Shift to 40-50% equity, 50-60% debt

Longevity stress test — what if you live longer?

Life expectancy in urban India is rising fast. A plan calibrated for 75 may fail badly if you live to 90. These rows show how many years your corpus lasts under each scenario, using the calculated SIP from above.

How to think about each input

Inflation: why 6% and not the official CPI ~5%The official CPI under-weights healthcare, education, and premium services that dominate retiree spending. Healthcare in India runs 12-15% medical inflation; private school fees 8-10%; premium-tier dining and travel similar. Lifestyle inflation for educated urban Indians averages 6-7%, which is what the calculator defaults to.
Post-retirement returns: lower than accumulationYou'll glide from equity-heavy to debt-heavy as you near retirement. At 60, a typical India-suitable mix is 35-40% equity index funds, 35% debt (SCSS, RBI bonds, debt MF), 15-20% gold/SGB, 5-10% liquid emergency fund. Blended return ≈ 8% — which is the calculator default.
Life expectancy: plan for 85+Urban Indian male life expectancy is now ~75; female ~80. But you're planning for the upper tail, not the median. A 60-year-old today has roughly 25% probability of living past 90. Plan for 85 minimum; stress-test to 95.
Existing corpus matters more than you thinkMoney already invested has the longest compounding runway. Rs 10 lakh today at 12% becomes Rs 3 crore in 30 years — equivalent to Rs 8,500/month SIP for those 30 years. Worth maximising EPF, voluntary PF, PPF early.
Post-retirement expense % — don't drop it too muchMany calculators default to 70% of current expenses post-retirement. Reality: medical costs go UP; travel often goes UP; supporting children/parents may also push up. We default to 80% — more conservative and closer to actual retiree spending patterns observed in India.
Modelling notes: The calculator uses month-by-month compounding for accuracy in both phases. SIP required is the constant monthly amount needed today to reach corpus, holding return and inflation constant. In reality, you should also step up SIP annually by 10% to match salary growth — see the Step-Up SIP Calculator. Real-world outcomes vary with sequence-of-returns risk (markets dropping early in retirement is worse than dropping late). Treat outputs as a strong baseline plan, not a guarantee.

Related calculators & guides

Original Retirement Calculator SIP Calculator Step-Up SIP Calculator CTC → In-Hand EMI vs SIP Tax Planner Best Companies India Salary Index 2026 NPS in Glossary PPF in Glossary SIP in Glossary

Frequently asked questions

How much retirement corpus do I need in India?

Use the 30x rule: required corpus ≈ 30 × inflation-adjusted annual expenses at retirement. For Rs 50,000/month current expenses, retiring at 60 in 30 years with 6% inflation: future monthly expense ≈ Rs 2.87 lakh; annual ≈ Rs 34.5 lakh; corpus needed ≈ Rs 10.3 crore. The calculator above does this math live.

Does the 4% withdrawal rule work in India?

The classic 4% safe withdrawal rate (Trinity study, US data) is too aggressive for India given higher inflation (~6% vs US 2-3%) and longer retirement horizons. For India, 3-3.5% is the more sustainable safe withdrawal rate — meaning you need ~30x annual expenses as corpus, not 25x.

What return should I assume post-retirement?

Conservative: 7% (debt-heavy portfolio with senior citizen FDs, SCSS, debt MFs, conservative hybrid). Moderate: 8-9% (50-30-20 split debt-equity-gold). Aggressive: 10% (30-50-20 split — only for those with corpus 2x+ safety buffer). Most Indian financial planners suggest 8% for the withdrawal phase.

How is the corpus needed adjusted for inflation?

Two stages: (1) future expense = current expense × (1 + inflation)^years_to_retire. (2) Corpus must be large enough that it lasts through retirement years with annual withdrawals stepping up each year by post-retirement inflation. The calculator handles both. India inflation default 6% is conservative-realistic; historical 10-yr average ~5.5%, lifestyle inflation typically higher than CPI.

What is FIRE and is it possible in India?

FIRE (Financial Independence, Retire Early) targets corpus ≥ 25-30x annual expenses, then living off withdrawals. In India, FIRE typically needs Rs 5-15 crore corpus depending on lifestyle and inflation assumptions — possible for high-earning IT/finance professionals in their late 40s with aggressive saving (50%+ savings rate). LeanFIRE (~Rs 3-5 Cr, tier-2 city lifestyle) is more achievable than FatFIRE (Rs 15+ Cr, metro lifestyle).

Should retirement corpus be in equity or debt?

Glide path: 70-80% equity in 20s-30s for accumulation; reduce to 50-60% equity in 50s; 30-40% equity at retirement to balance growth and stability. Post-retirement, withdraw from debt portion first (preserves equity for inflation hedge). Common India-suitable mix at 60: 35-40% equity index funds, 35% debt (SCSS, RBI bonds, debt MF), 15-20% gold/sovereign gold bonds, 5-10% liquid emergency fund.

What's the difference between v2 and the original retirement calculator?

The original gives a single corpus number. v2 models the full lifecycle: accumulation phase (SIP needed to hit the target), withdrawal phase (how the corpus depletes with rising expenses and capital earning post-retirement returns), longevity stress test (does the corpus last to 75/85/95?), and adequacy verdict (real-time green/amber/red on whether your current savings rate is on track).

Last reviewed: May 2026 · Editorial process · Methodology