--- title: "Retirement Calculator India: Corpus and SIP | RupeeCase" description: "Retirement calculator for India: the corpus needed to fund inflation linked expenses to your chosen age, and the monthly SIP from today, with a 4% rule check." source_url: "https://www.rupeecase.com/learn/tools/retirement-calculator" --- Corpus needed at 55**₹6.58 Cr** Monthly SIP from today**₹25,752** Monthly expenses at 55**₹2,41,117**from ₹50,000 today Current savings grow to**₹1.07 Cr** The 25x check (4% rule)**₹7.23 Cr**first year expenses x 25 * Corpus by age Withdrawals rise with inflation each year and the corpus earns 8.0% after retirement; it runs to age 85. Share this resultReset 01How it works ## In plain words. Expenses grow with inflation until retirement. From then on the corpus pays a yearly withdrawal that keeps rising with inflation, while the rest earns the post retirement return. The corpus needed is the present value of those withdrawals at the real return. Your savings compound towards it, and the SIP fills the gap. The formula `Yearly expense at retirement E = expenses x 12 x (1 + inflation)^years to go``Real return = (1 + post return) / (1 + inflation) - 1``Corpus = E x (1 - (1 + real)^-years in retirement) / real``SIP = (corpus - savings grown) x i / ((1 + i)^n - 1)` 02Worked example ## The default numbers, by hand. Age 28 to 55, Rs 50,000 a month today, 6% inflation: expenses at 55 are about Rs 2.4 lakh a month. Funding them to 85 at 8% after retirement needs about Rs 6.58 crore; with Rs 5 lakh saved growing at 12%, the SIP is about Rs 25,800 a month. | Input | Value | | --- | --- | | Age now | 28 | | Retirement age | 55 | | Plan until age | 85 | | Monthly expenses today | ₹50,000 | | Savings so far | ₹5,00,000 | | Inflation a year | 6% | | Return before retirement | 12% | | Return after retirement | 8% | | Result | Value | | --- | --- | | Corpus needed at 55 | ₹6.58 Cr | | Monthly SIP from today | ₹25,752 | | Monthly expenses at 55 | ₹2,41,117 | | Current savings grow to | ₹1.07 Cr | | The 25x check (4% rule) | ₹7.23 Cr | 03Key concepts ## What to know before you use it. ### The 4% rule Research on US data (Bengen 1994; the Trinity study, 1998) found that withdrawing 4% of the starting portfolio, raised for inflation each year, lasted 30 years in most historical periods for portfolios with at least half in stocks. It is a US result and a rule of thumb; the card shows 25 times the first year’s expenses as a cross check. ### Healthcare Medical costs have often risen faster than headline inflation. A separate health cover and a higher inflation figure for medical spending are common ways to plan for it. ### Good to know * A few extra working years change the result twice: more years of saving and fewer of withdrawing. * NPS, EPF and PPF balances count towards the savings figure. 04Assumptions ## What the calculator assumes. * Constant returns and inflation; withdrawals at the end of each year. * No pension, rent or other income in retirement; no tax. Sources, checked 12 Oct 2026 1. [RBI, monetary policy framework: CPI inflation target of 4% within a band of 2% to 6%, renewed for 1 Apr 2026 to 31 Mar 2031](https://www.rbi.org.in/Scripts/FS_Overview.aspx?fn=2752) 2. [RBI, monetary policy framework: CPI inflation target of 4% within a band of 2% to 6%, renewed for 1 Apr 2026 to 31 Mar 2031](https://www.rbi.org.in/Scripts/FS_Overview.aspx?fn=2752) 3. [RBI, monetary policy framework: CPI inflation target of 4% within a band of 2% to 6%, renewed for 1 Apr 2026 to 31 Mar 2031](https://www.rbi.org.in/Scripts/FS_Overview.aspx?fn=2752) 05Questions ## Asked about the Retirement planner. How much corpus do I need to retire in India?Enough to fund your expenses, rising with inflation, until the age you plan for. The calculator works it out from today’s expenses; the 25x card gives a quick cross check. What is the 4% rule?A rule of thumb from US research: withdraw 4% of the corpus in the first year and raise it with inflation; historically that lasted about 30 years in most periods. It is not a guarantee, and the evidence is from US markets. Explore next ## Learn the idea behind the numbers. * [Blog noteYour biggest asset is not in your portfolioPortfolio construction, a short note](/blog/2026-07-13-morning-human-capital/) * [Blog noteNPS, PPF, ELSS: the order matters more than the ratePersonal finance and tax, a short note](/blog/2026-05-23-evening-nps-ppf-elss-order/) * [Free module 7.3Inflation, Types, Measurement, and Investment Impact10 min read](/learn/path-7/module-7-3-inflation-types-measurement-investment-impact) * [Free module 4.5Risk Management for Systematic Portfolios9 min read](/learn/path-4/module-4-5-risk-management) * [StrategyLarge Mid Multi Asset strategyNifty LargeMidCap 250, 42 stocks, every 2 weeks](/strategies/largemid-multi-asset) * [CalculatorGoal plannerFree, with the formula and a worked example](/learn/tools/goal-planner) Community ## Join my WhatsApp group. Scan the code, fillFill one short form, and join my WhatsApp group. Slides, sources, factsheets and the rebalance logs live there, and members join a daily Google Meet with me. [Sign up for RupeeCase](https://invest.rupeecase.com/signup) [Join the WhatsApp group](https://forms.gle/C6HMtM1Z2GfeocQV7) [One form, one group](https://forms.gle/C6HMtM1Z2GfeocQV7)Scan with your phone camera 06Keep going ## Learn the idea, see it applied. [Module 7.3Inflation: Types, Measurement, and Investment Impact10 min read, Path 07](/learn/path-7/module-7-3-inflation-types-measurement-investment-impact)[Module 4.5Risk Management for Systematic Portfolios9 min read, Path 04](/learn/path-4/module-4-5-risk-management)[The matching indexLarge Mid Multi Asset40 equity stocks plus LiquidCase and GoldBees. 80/10/10 multi-asset on the LargeMidCap 250.CAGR34.3%Sharpe1.72Max DD−17.6%Model, back tested, as of 27 Apr 2026. Not client returns, not a promise. Risk band: Moderate.](/strategies/largemid-multi-asset) More goal planning calculators [Goal planner](/learn/tools/goal-planner)[FIRE calculator](/learn/tools/fire-calculator)[Emergency fund](/learn/tools/emergency-fund-calculator)[All 25 calculators](/learn/tools) Education only, not investment advice. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd; it is not a fund, a PMS or a SEBI registered investment adviser. Model returns are back tested and not a promise of future returns. Figures carry the date they were checked.