India Retirement Calculator — FY 2025-26
How much do you need to retire in India? Calculate your retirement corpus based on inflation-adjusted expenses, check if your EPF + NPS + SIP investments are on track, and plan post-retirement income from all sources. Updated with 2025-26 EPF rates, EPS pension rules, and India-specific inflation data.
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How to Use This Calculator
Corpus Needed tab
Enter your current age, retirement age, monthly expenses, and expected inflation. The calculator projects your expenses at retirement, computes the corpus needed to sustain those expenses for 25+ years, and shows the monthly saving required to reach that target. Expand "More options" to adjust post-retirement return, pre-retirement return, and life expectancy.
Are You On Track? tab
Enter your current savings, monthly SIP, EPF corpus, and NPS corpus. The calculator projects each component to your retirement date and compares the total against your target corpus. If there is a shortfall, it shows the additional monthly SIP needed to close the gap.
Post-Retirement Income tab
Enter your retirement corpus, withdrawal rate, and other income sources (EPS pension, NPS annuity, rental income). The calculator shows your total monthly income versus expenses, and estimates how long your corpus will last accounting for inflation.
Share your result
Every input is encoded in the URL. Click Share to send your exact retirement scenario to a financial advisor, spouse, or save it for later reference.
The Formula
The retirement corpus is calculated using the present value of an inflation-adjusted annuity, which determines how much you need today (at retirement) to fund future expenses:
Monthly expenses at retirement = Current monthly expenses × (1 + inflation)years to retirement
Step 2: Corpus needed (Present Value of Annuity)
Real return (r) = Post-retirement return − Inflation
Monthly real rate = r / 12
Corpus = Monthly expenses at retirement × [(1 − (1 + monthly rate)−n) / monthly rate]
Where n = post-retirement months (e.g. 25 years × 12 = 300 months)
Step 3: Monthly saving needed (Future Value of Annuity)
Monthly SIP = Target corpus / [((1 + r)n − 1) / r × (1 + r)]
Where r = monthly pre-retirement return, n = months to retirement
India-specific rule of thumb:
Corpus = 30–40 × annual expenses at retirement
(Higher than the Western 25x rule due to India's ~6% inflation vs ~2-3% in US/UK)
The 25x rule (4% withdrawal rate) originates from the US Trinity Study where inflation is 2-3%. For India with 6% general inflation and 13-14% medical inflation, financial planners recommend 30-40x annual expenses as a safer target. The calculator uses the precise annuity formula rather than a simple multiple.
Example
Rahul — 30-year-old IT professional in Pune, plans to retire at 60
Rahul earns &rupee;1.2 lakh/month, spends &rupee;50,000/month, and wants to know how much he needs to retire. He has &rupee;10 lakh in investments, &rupee;5 lakh in EPF, &rupee;3 lakh in NPS, and invests &rupee;15,000/month via SIP.
Step 1: Expenses at retirement (age 60)
Step 2: Corpus needed
Step 3: Is Rahul on track?
Rahul's &rupee;50,000/month expenses will become &rupee;2.87 lakh/month at age 60 due to inflation. He needs &rupee;5.38 crore to retire, but his current trajectory projects &rupee;7.60 crore — a healthy surplus. However, medical inflation (13-14%) could erode this cushion significantly if healthcare costs spike in later years.