How much retirement corpus do I need in India?

A common rule: 25x your annual expenses at retirement (4% SWR). But India's higher inflation makes 30x safer. E.g., ₹1 lakh/month expenses → ₹3.6 crore corpus at 30x.

How much should I save monthly for retirement?

A 30-year-old wanting to retire at 60 with ₹3 crore corpus (at 12% pre-retirement return, 7% inflation) needs approximately ₹8,000-10,000/month SIP. Use this calculator for your exact number.

Is ₹5 crore enough to retire in India?

₹5 crore supports ~₹1.5-2 lakh/month sustainable withdrawals at 3.5% SWR adjusted for 7% inflation. It's sufficient for most middle-class retirements in Tier-2 cities, but may be tight in metro areas.

Retirement Corpus Calculator

Calculate the inflation-adjusted corpus needed at retirement and the monthly SIP required to build it.

Share this calculation:

Documentation

Quick Summary: Retirement Corpus Calculator

To calculate your retirement corpus in India, multiply your annual expenses at retirement by 25-30. For example, monthly expenses of ₹1 lakh (₹12L/year) require a corpus of ₹3 crore to ₹3.6 crore to sustain a 30-year retirement.

Related Calculators

SWP Calculator

FIRE Target Calculator

EPF Calculator

NPS Calculator

Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.