Retirement planning in India requires accounting for three compounding forces simultaneously: the growth rate of your investments before retirement, the inflation rate eroding the real value of your future corpus, and the withdrawal rate needed to sustain your desired lifestyle through retirement. Getting any one of these wrong by even 1–2% per year compounds into a shortfall of several crores over a 25–30 year retirement.

The standard retirement planning framework starts with your current monthly expenses, inflates them to your retirement date at your expected inflation rate, then calculates the corpus needed to sustain that inflated monthly expense for your expected retirement duration. The corpus required = (Inflated monthly expense × 12) ÷ (Post-retirement return − Inflation rate). For a ₹1 lakh monthly expense inflated to ₹3.2 lakh at retirement (6% inflation, 20 years), sustaining 30 years on a 8% return portfolio requires a corpus of approximately ₹5.7 crore.

The corpus target is only half the equation. The other half is the SIP needed to reach that corpus by retirement. If you are 30 years old and targeting ₹5 crore at 60, and your portfolio earns 12% CAGR, you need approximately ₹13,000 per month in SIP today. Starting at 35 instead of 30 requires approximately ₹24,000 — nearly double — for the same outcome. The cost of delay in retirement planning is extreme.

Use this calculator to determine your retirement corpus target and required monthly SIP. Input your current age, target retirement age, current monthly expenses, expected inflation rate, and expected investment return. The calculator computes your corpus requirement and the SIP needed to build it. All projections assume constant returns and are for planning purposes only. Consult a SEBI-registered investment adviser for personalised retirement planning.