Is this the 25× / 4% rule?

No. We inflate today’s monthly spend to retirement, then discount a growing annuity over the years you expect to be retired.

Which return goes where?

Pre-retirement return grows today’s corpus and the SIP. Post-retirement return (with inflation) sizes the corpus.

This is a pre-tax planning number. Pair it with the income-tax calculator for withdrawals.

Ordinary annuity payment that future-values to the gap.

Runs in your browser · Last updated 4 September 2026

Retirement Corpus Calculator

Free retirement corpus calculator. Inflation-adjusted corpus and the monthly SIP needed to close the gap. Browser tool — nothing is uploaded.

Monthly expense today (₹)Existing corpus (₹)Years to retireYears in retirementInflation %Return while working %Return after retire %

First-year retirement spend

₹19,24,281

Corpus needed

₹4,26,76,697

Existing grown

₹67,27,500

Gap

₹3,59,49,197

Monthly SIP to close the gap

₹47,341

How to use this tool

Enter today’s monthly spend and years to retire.
Set inflation and expected returns.
Subtract any existing corpus. The SIP is what still needs to be saved.

Why not 25×?

25× assumes a 4% real withdrawal forever. A 25-year Indian retirement with 6% inflation is a different annuity. The page shows both the corpus and the monthly saving required.

Frequently asked questions

Is this the 25× / 4% rule?: No. We inflate today’s monthly spend to retirement, then discount a growing annuity over the years you expect to be retired.
Which return goes where?: Pre-retirement return grows today’s corpus and the SIP. Post-retirement return (with inflation) sizes the corpus.
Taxes?: This is a pre-tax planning number. Pair it with the income-tax calculator for withdrawals.
SIP formula?: Ordinary annuity payment that future-values to the gap.
Uploaded?: No.