How much corpus do you need to retire comfortably in India? Calculate with inflation and withdrawal rate.
Required Corpus
₹7.36 Cr
At 3.5% withdrawal · ₹2.1 L/mo expenses at 55
Monthly SIP Needed
₹34,636
For 25 years · existing savings grow to ₹85.0 L
12/100
Felix helps you optimise EPF, PPF, NPS, and mutual funds to hit your retirement number. Free to use.
Download Richify — It's FreeIt depends on your lifestyle, city, and inflation. As a rough guide: in Tier 2 cities, ₹2-3 crore may suffice. In Mumbai or Bangalore, ₹4-6 crore is more realistic. The key factors are your monthly expenses, inflation (6-7% in India), and expected investment returns.
The 4% rule (from US research) suggests withdrawing 4% of your corpus annually. However, India has higher inflation, so many planners recommend a 3-3.5% withdrawal rate for safety. With a ₹3 crore corpus at 3.5%, you can withdraw ~₹87,500/month.
Yes — EPF is often the largest retirement asset for salaried Indians. Include your projected EPF corpus (current balance + future contributions + growth) in your retirement planning alongside PPF, NPS, mutual funds, and other investments.
The earlier the better — starting at 25 vs 35 can mean needing 50-60% less monthly investment due to compounding. Even ₹5,000/month started at 25 can grow to ₹1-2 crore by 60. The math heavily favours early starters.
NPS offers additional tax deduction under Section 80CCD(1B) — ₹50,000 over the Section 80C limit. It has low fund management fees and equity exposure up to 75%. However, 40% of the corpus must be annuitised at retirement. It's best as a supplement to mutual funds and EPF, not as the sole retirement vehicle.
India's long-term inflation averages 6-7% — higher than developed markets. This means your expenses double roughly every 10-12 years. If you spend ₹50,000/month today, you'll need ~₹1.6 lakh/month in 20 years. Always plan with inflation-adjusted numbers.