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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
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Turning the corpus into a monthly income is the other half of the plan. The SWP calculator shows how long a systematic withdrawal from ₹7.36 Cr lasts at a given return, and the capital gains tax on each year's payouts.
Multiply your monthly expenses at retirement by 12, then divide by a safe withdrawal rate. Someone spending ₹50,000 a month today who retires in 25 years needs about ₹7.36 Cr: 6% inflation turns ₹50,000 into ₹2.1 L a month by then, and a 3.5% withdrawal rate needs a corpus about 29 times the annual spend.
The inputs that move the answer most are inflation and time. One extra point of inflation over 25 years raises the corpus by about 26%. In the same example, with ₹5 lakh already saved and a 12% return, retiring five years later cuts the monthly SIP by about 31%. Use the sliders above for your own numbers.
Corpus needed at a 3.5% withdrawal rate, with 6% inflation on today's expenses. Both are planning assumptions; change them in the calculator.
| Monthly expenses today | In 15 years | In 20 years | In 25 years | In 30 years |
|---|---|---|---|---|
| ₹30,000 | ₹2.47 Cr | ₹3.30 Cr | ₹4.41 Cr | ₹5.91 Cr |
| ₹50,000 | ₹4.11 Cr | ₹5.50 Cr | ₹7.36 Cr | ₹9.85 Cr |
| ₹75,000 | ₹6.16 Cr | ₹8.25 Cr | ₹11.04 Cr | ₹14.77 Cr |
| ₹1.0 L | ₹8.22 Cr | ₹11.00 Cr | ₹14.71 Cr | ₹19.69 Cr |
| ₹1.5 L | ₹12.33 Cr | ₹16.49 Cr | ₹22.07 Cr | ₹29.54 Cr |
Monthly SIP to reach each target from zero, at a 12% expected annual return (an assumption, not a promise; equity returns vary).
| Target corpus | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| ₹2.00 Cr | ₹40,034 | ₹20,217 | ₹10,645 | ₹5,723 |
| ₹5.00 Cr | ₹1.0 L | ₹50,543 | ₹26,612 | ₹14,306 |
| ₹10.00 Cr | ₹2.0 L | ₹1.0 L | ₹53,224 | ₹28,613 |
Most salaried Indians already hold part of the corpus. EPF earned 8.25% for FY 2025-26; enter your balance in "Current Savings" or project it with the EPF calculator. The EPS pension paid alongside EPF is a separate lifetime income; the EPS pension calculator estimates it, and it lowers the corpus you need.
PPF pays 7.1% and the Senior Citizens' Savings Scheme 8.2% for Oct–Dec 2026. See every rate on the post office interest rates page. SCSS is open to those aged 60 and over and pays interest every quarter, which suits the years after you retire.
NPS at exit: non-government subscribers can take up to 80% as a lump sum and must buy an annuity with at least 20% (government employees 60/40), under PFRDA's December 2025 rules. The NPS calculator splits your projected NPS corpus for you.
It 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%. At exit, non-government subscribers can take up to 80% of the corpus as a lump sum and must annuitise at least 20% (government employees: up to 60% / at least 40%), under PFRDA's December 2025 exit rules; a corpus of ₹8 lakh or less can be taken in full. 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.
Richify AI helps you optimise EPF, PPF, NPS, and mutual funds to hit your retirement number. Try it free for 7 days.
Download Richify — 7-day free trialIt 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%.
At exit, non-government subscribers can take up to 80% of the corpus as a lump sum and must annuitise at least 20% (government employees: up to 60% / at least 40%), under PFRDA's December 2025 exit rules; a corpus of ₹8 lakh or less can be taken in full. 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.