Eternexa

Retirement Corpus Calculator

Your real retirement number — expenses inflated to 60, the corpus that funds 25 years of them, and the SIP that builds it.

Your retirement

Step 1 of 2
₹50,000

Your current lifestyle, not your income — the number retirement must fund

30 → retire at 60
Monthly SIP needed from today
₹34,129

builds the ₹7.71 Crore corpus by age 60

0%of the corpus your savings already cover
Corpus needed at 60
₹7.71 Crore
Expenses at 60
₹2.87 Lakh/mo
Years to build it
30
  • Still to be built
At 6% inflation, today’s ₹50,000/mo lifestyle costs ₹2.87 Lakh/mo at 60 — and the corpus must keep funding it, still inflating, for 25 more years to 85.
What it grows toWhat you investYr 0Yr 8Yr 15Yr 23Yr 30
Corpus building to 60You put in

From today's expenses to the corpus

Inflate the lifestyle, fund it for the whole retirement, then subtract what you already have.

Corpus needed at 60
₹7,71,48,478₹2,87,175/mo for 25 years
= The SIP must build
₹7,71,48,478₹34,129/mo for 30 years

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The number behind every other number

Every SIP, PPF and NPS decision is secretly serving one goal: the day salary stops and the corpus takes over. This calculator computes that corpus honestly — in three steps that most retirement math skips or fudges — and then tells you the one number you can act on today: the monthly SIP that gets you there.

The three-step math

Step 1 — inflate the lifestyle. Today’s ₹50,000/month at 6% inflation becomes about ₹2.87 lakh/month by a 30-year-old’s 60th birthday. Skipping this step is the classic error that makes people plan for a fifth of what they need.

Step 2 — size the corpus. Retirement is 25 years of withdrawals that keep growing with inflation while the remaining corpus earns a conservative post-retirement return. That growing annuity, at 6% inflation against a 7% corpus yield, prices the ₹50k lifestyle at roughly ₹7.7 crore — the corpus that runs out at 85, not before.

Step 3 — back into the SIP. The same goal-seek engine as our SIP calculator finds the monthly investment whose 30-year compounding hits that corpus — about ₹34,000/month at 10% from age 30, and less for every rupee already sitting in EPF, PPF, NPS or funds (₹10 lakh saved today at 30 cuts the SIP by nearly ₹9,000).

Why the assumptions are set the way they are

10% before 60 assumes an equity-tilted accumulation — between FD-like safety and pure equity optimism. 7% after 60 assumes the corpus shifts toward debt for stability. 85 is deliberate: planning to average life expectancy means a coin-flip chance of outliving the money, so plan long. Every slider is adjustable — pessimism costs a bigger SIP today; optimism costs your seventies. And expenses, not income, drive the number: a frugal high-earner needs less corpus than a spendy average one.

Starting late: the honest arithmetic

The same lifestyle planned from 40 instead of 30 roughly triples the required SIP — twenty years of compounding is doing most of the work in the 30-year plan. If the number this page shows is out of reach, the levers in order of power are: start now with anything, step the SIP up with every salary hike, push retirement age a few years (each year both shrinks the retirement span and grows the corpus), and only then trim the target lifestyle. The worst plan is postponing the plan.

Frequently asked questions

How much corpus do I need to retire in India?
The honest answer is “your inflated expenses × a growing-annuity factor”, not a universal crore figure. A ₹50k/month lifestyle for a 30-year-old prices at about ₹7.7 crore at 60; a ₹30k lifestyle at roughly ₹4.6 crore. Run your own expenses — the corpus scales exactly with them.
Is the popular “25× annual expenses” (4% rule) enough?
25× your expenses AT RETIREMENT (not today’s) is a reasonable sanity check, and this calculator’s growing-annuity math lands in a similar zone with Indian inflation. The trap is applying 25× to today’s expenses — that ignores the tripling-plus that inflation does before you even retire.
Does EPF alone cover retirement?
Rarely. EPF builds a solid debt base, but 12%+12% of Basic typically accumulates a fraction of the full corpus, especially with salary-ceiling contributions and withdrawals between jobs. Enter your EPF balance in “already saved” — the calculator shows exactly how much heavy lifting remains for SIPs and NPS.
What return should I assume after retirement?
Conservative — the corpus can’t afford equity drawdowns while funding groceries. 6.5–7.5% (a debt-heavy mix with some equity for inflation defence) is a defensible band. Assuming 10%+ post-retirement is how plans look rosy on screen and fail at 75.
I’m 40 and haven’t started. Is it too late?
No, but the math is sterner: the same goal needs roughly 3× the monthly SIP versus starting at 30. Compensate with the levers that remain — maximise 80CCD/EPF/PPF shelters, step up SIPs aggressively with hikes, consider retiring at 62–63 instead of 60, and let the calculator show how each change moves the required SIP.

Related calculators

NPS

Project your NPS corpus to 60 and what follows — lump sum, annuity, monthly pension, and the 60% tax-free line under the new 80/20 exit rules.

SIP

Project your mutual-fund SIP corpus with a year-by-year growth chart, step-up and goal planning.

Inflation

See what today’s money will cost — and what it will still buy — years from now, at any assumed inflation rate.

Disclaimer: Eternexa is an independent app and is not affiliated with, endorsed by, or representing the Income Tax Department, the Government of India, or any government entity, and does not provide official government services. This calculator gives an estimate for general information only — it is not financial, investment or tax advice. Tax and finance figures follow FY 2026-27rules and are based on publicly available information from official sources such as incometax.gov.in and epfindia.gov.in. Always verify important numbers with the official source or a qualified professional before acting on them.