Retirement Corpus Calculator
Calculate how much retirement corpus you need and the monthly SIP required to build it. Plan your retirement with inflation-adjusted projections for India.
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* All calculations are approximate.
Important — Read Before You Decide
- The National Pension System (NPS) offers tax benefits under Section 80CCD(1B) up to ₹50,000 over and above the 80C limit of ₹1.5 lakh
- EPF alone is unlikely to build a sufficient retirement corpus — most financial planners recommend supplementing it with SIPs in equity mutual funds
- Healthcare costs in India are rising at 10–14% annually, far exceeding general inflation, and can consume a large portion of your retirement savings
- Inflation at 6% means your expenses will roughly double every 12 years, so ₹50,000/month today becomes over ₹1.6 lakh in 20 years
- Early retirement at 45 instead of 60 can require 3–4 times the corpus because you have fewer earning years and more spending years
- India does not have a universal social security system for the private sector — your retirement income depends entirely on your own savings and investments
- Pension plans like Atal Pension Yojana provide only ₹1,000–₹5,000/month, which is insufficient for most urban households
- Medical insurance premiums increase sharply after age 60, making it critical to factor in health cover costs when planning your retirement corpus
What Happens If You Ignore These?
- Starting late means you need to invest significantly more each month to reach the same corpus — a 10-year delay can triple the required SIP
- Relying solely on EPF and PPF without equity exposure may leave your corpus short due to returns barely beating inflation
- Ignoring healthcare inflation can lead to a corpus shortfall of ₹30–50 lakh over a 25-year retirement
- Without a planned corpus, you may have to depend on children or compromise your lifestyle in retirement
- Underestimating inflation means your retirement savings run out years before planned
Smart Tips
- Start your SIP as early as possible — even ₹5,000/month from age 25 can grow to over ₹1 crore by 60 at 12% returns
- Use NPS for the additional ₹50,000 tax deduction under Section 80CCD(1B) and benefit from long-term equity exposure
- Review and increase your SIP amount by 10% every year to keep pace with salary growth and inflation
- Maintain a separate emergency fund of 6–12 months' expenses so you never dip into your retirement corpus
- Consider a mix of equity (for growth) and debt (for stability) based on your age — shift more to debt as you approach retirement
- Buy adequate health insurance (at least ₹10–20 lakh cover) well before retirement to lock in lower premiums
Frequently Asked Questions
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