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Retirement Planning Calculator: How Much Do You Need to Retire Comfortably?

Complete retirement planning guide with calculator. Learn how much corpus you need, investment strategies, and step-by-step retirement planning for Indians.

28 November 2025
10 min read
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Retirement Planning Calculator: How Much Do You Need to Retire Comfortably?

How much money do you need to retire comfortably in India? With rising inflation and increasing life expectancy, retirement planning has become more critical than ever. Most experts suggest you need 25-30 times your annual expenses.

🎯 Retirement Corpus Formula

Required Corpus = Annual Expenses × 25-30
For ₹6 lakh annual expenses → ₹1.5-1.8 crore corpus needed

Retirement Planning Calculator

Calculate Your Retirement Corpus

₹6L
Annual Expenses
6%
Inflation Rate
25 Years
Years to Retire
₹2.5Cr
Required Corpus

Monthly SIP Required

@ 10% returns:₹25,000/month
@ 12% returns:₹18,500/month
@ 15% returns:₹12,000/month

Age-wise Retirement Strategy

Starting at Age 25-30

Investment Strategy:

  • • 80% Equity, 20% Debt
  • • High-growth mutual funds
  • • Start with ₹5,000 SIP
  • • Increase by 10% annually
₹8-12 Cr
Expected Corpus at 60
35 years of compounding power

Starting at Age 35-40

Investment Strategy:

  • • 70% Equity, 30% Debt
  • • Balanced mutual funds
  • • Start with ₹15,000 SIP
  • • Focus on tax-saving funds
₹4-6 Cr
Expected Corpus at 60
20-25 years to build wealth

Starting at Age 45-50

Investment Strategy:

  • • 50% Equity, 50% Debt
  • • Conservative hybrid funds
  • • Start with ₹30,000 SIP
  • • Include PPF and EPF
₹2-3 Cr
Expected Corpus at 60
Aggressive saving required

Retirement Income Sources

40%
Mutual Funds
SIP & Lump sum
25%
EPF/PPF
Guaranteed returns
20%
Real Estate
Rental income
15%
Fixed Income
FD, Bonds, NPS

Plan Your Retirement Today

Calculate your retirement corpus and create a systematic investment plan for financial freedom.

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Retirement PlanningRetirement CalculatorPensionFinancial PlanningCorpus Planning

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