Investment & Savings· Popular
Retirement Planner
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Retirement Plan
Plan your post-retirement life
Plan for longer than you expect
India avg ~6% per year
Retirement Corpus Needed
₹6,72,79,680
To last 25 years post-retirement at today's lifestyle
Monthly SIP Needed
₹19,060
Years to Save
30
Multiple of Today
112x
Why So Much?
Inflation eats into your purchasing power
Today's Monthly Expense
₹50,000
At Retirement
₹2,87,175
At 6% inflation, your monthly expenses will be 5.7x in 30 years.
What if you retire at...
Earlier retirement = higher SIP, smaller corpus needed
| Age | Corpus Needed | Monthly SIP |
|---|---|---|
| 50 | ₹4,81,04,375 | ₹48,145 |
| 55 | ₹5,76,73,615 | ₹30,392 |
| 60 (yours) | ₹6,72,79,680 | ₹19,060 |
| 65 | ₹7,54,07,122 | ₹11,610 |
| 70 | ₹7,92,98,340 | ₹6,674 |
Insight
You need to invest ₹19,060/month — that's 38% of your current monthly expense.
Note
- The 25x rule: Aim for 25-30x your annual expenses as retirement corpus.
- Start early - ₹5K/month from age 25 builds a bigger corpus than ₹15K from 35.
- Equity-heavy in 20s-40s, gradually shift to debt closer to retirement.
- Don't forget medical inflation (10%+) when planning healthcare needs.
About this tool
What is Retirement Planner?
Retirement planning is calculating how much money you'll need to maintain your lifestyle after you stop working, and how much to invest now to reach that goal. The earlier you start, the more compounding helps. A common rule is to aim for 25-30 times your annual expenses as your retirement corpus.
How to use
- 1.Enter your current age and target retirement age
- 2.Enter expected life expectancy
- 3.Enter your current monthly expenses
- 4.Set inflation rate (India ~6%)
- 5.Set expected returns pre and post retirement
- 6.See required corpus and monthly SIP needed
Formula
Future Expense = Current × (1+inflation)^years_to_retire
Required Corpus uses present value of annuity formula
Monthly SIP = Corpus / [SIP future value factor]Frequently asked questions
The 25x rule: aim for 25-30 times your annual expenses. If you spend ₹10L/year, you need ₹2.5-3 Cr corpus. This ensures you can withdraw 4% per year and have it last 25-30 years.
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