Priyanka Personal Finance
Smart Money · Simple Words · India
Smart Money · Simple Words · India
Find exactly how much you need to retire in India, accounting for inflation, life expectancy and expected returns. Works for FIRE, early retirement and traditional retirement planning.
Add big one-time expenses (education, wedding, travel, etc.). They get inflation-adjusted and added to your corpus.
Educational use only · Not financial advice · Consult a financial advisor before planning retirement
A ₹50,000/month lifestyle today will cost about ₹2.87 lakh/month 30 years later at 6% inflation. That means you'll need roughly ₹10 crore retirement corpus to live the same life. Starting early is the difference between stress and freedom.
We project your current monthly expense forward using inflation, compute corpus using the 4% safe-withdrawal rule (you can change it), and then work backwards to find the monthly SIP needed until you retire — factoring existing NPS, PPF and EPF balances.
Full deep-dive: Retirement Planning India 2026.
Rule of thumb: 30× your annual retirement expenses. For ₹10 lakh/year at 60, aim for ₹3 crore; for ₹30 lakh/year, aim for ₹9–10 crore.
Typically no. Combine NPS with a monthly SIP in equity mutual funds and PPF to build a resilient, diversified retirement pot.
As early as possible — ideally with your very first job. Starting at 25 vs 35 can reduce the required monthly SIP by 60%.
After retirement, you can typically withdraw 4% of your corpus in year one and adjust upwards with inflation, with a high chance the money lasts 30+ years. Indian investors often use 3.5–5% depending on asset mix.
No — keep 30–50% in equity to beat inflation over a 25+ year retirement. Use SWP (Systematic Withdrawal Plan) for monthly income.