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Financial Independence & FIRE

Retirement Calculator India

Calculate your required retirement corpus, adjust for healthcare and lifestyle inflation, and find the exact monthly SIP needed today.

Financial Independence (FIRE)

Retirement Planning & Corpus Calculator

Calculate inflation-adjusted retirement corpus and required monthly SIP

30 Yrs Yrs
20 Yrs Yrs55 Yrs Yrs
60 Yrs Yrs
31 Yrs Yrs70 Yrs Yrs
₹₹50,000
₹₹15,000₹₹5,00,000
6%%
4%%10%%
12%%
8%%18%%
7%%
5%%10%%
Years to Retirement

30 Years

Expense at Retirement

₹2.87L/mo

Required Corpus

₹7.67Cr

Monthly SIP Needed Today

₹21,734

Your Personalized Retirement Blueprint

Due to compounding inflation of 6%, your current monthly expenses of ₹50,000 will escalate to ₹2.87L/month when you retire at age 60.

To sustain your lifestyle for 25+ retirement years without running out of money, you need an accumulated corpus of ₹7.67Cr. You can build this by starting a monthly SIP of ₹21,734 today.

The 4 Pillars of a Bulletproof Retirement Plan

1. Start in Your 20s or 30s
Starting a ₹10,000 monthly SIP at age 25 produces more than triple the retirement corpus compared to starting a ₹25,000 SIP at age 45, despite investing less total capital.
2. Factor in Healthcare Inflation
Medical costs in India inflate at 10%–14% per year, far higher than general CPI. Ensure you maintain adequate private health insurance separate from employer policies.
3. Implement Step-Up SIPs
Increase your monthly retirement investments annually by 10% as your salary rises to compress the number of years needed to reach financial independence.
4. Shift to SWP at Retirement
Post retirement, transition equity corpus into systematic withdrawal plans (SWP) for predictable, tax-advantaged monthly income.

Frequently Asked Questions

A widely accepted rule of thumb is the 25x to 30x rule adjusted for India: multiply your expected annual post-retirement household expenses (after accounting for 6% annual inflation until retirement age) by 25 to 30 times. For instance, if your monthly expense at retirement is ₹1.5 Lakhs (₹18L/yr), you need a corpus of ₹4.5 to ₹5.5 Crore.

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