How much retirement corpus is needed in India?

Due to a 6% annual inflation rate, a family spending ₹50,000 per month today will need approximately ₹2.5 Lakhs per month in 28 years. To sustain this for 25-30 years of retirement, a corpus of ₹5 Crores to ₹7 Crores is typically required.

What happens if I have a retirement shortfall?

A retirement gap can be bridged either by starting an incremental monthly equity SIP, extending your retirement age by 2-3 years, or increasing your annual step-up rate by 10% during salary appraisal cycles.

Retirement Gap & Readiness Analysis

Retirement Readiness Quiz & Corpus Solver

Evaluate whether your current mutual fund SIPs, EPF, and PPF savings are on track to fund your post-retirement life. Factor in inflation, healthcare longevity, and monthly SIP shortfalls.

Retirement Profile & Expenses

Current Age

Retire Age

Life Horizon

Current Monthly Expenses Today

₹

Current Accumulated Retirement Savings (EPF, PPF, Mutual Funds)

₹

Inflation (%)

Pre-Retire (%)

Post-Retire (%)

Retirement Readiness Score

High Shortfall

30%

Required Total Corpus₹6.44 CrFor 27 yrs retirement

Inflation-Adjusted Monthly Spend₹256k / moAt age 58

Corpus Shortfall Detected

Gap of ₹4.53 Crores

To completely eliminate this deficit, start an additional monthly SIP of ₹18,612 / month at 12% expected return.

Target Corpus₹6,44,20,081

Projected Existing Corpus

₹1,91,07,09330%

Retirement Shortfall / Gap

₹4,53,12,98870%

Goal Planner

₹5 Crore Retirement SIP →

See the exact monthly SIP needed to reach ₹5 Crores for retirement.

Government Pension

NPS Calculator →

Calculate your Tier-1 retirement lump sum and monthly annuity pension.

Decumulation

SWP Calculator →

Plan monthly post-retirement cash flows without depleting your capital.

Retirement Advisory Disclaimer: Projections rely on steady compound interest formulas and constant inflation assumptions. Real-world equity returns fluctuate and healthcare inflation in India often averages 10-14%. Consult a SEBI-registered investment adviser for formal retirement portfolio design.