Free · No login · Updated for FY 2025–26
Retirement Calculator India — Corpus, EPF, NPS & Monthly SIP
Enter your current salary, savings rate, and retirement age. Get your required corpus, monthly SIP target, and an inflation-adjusted projection curve — instantly.
How to Calculate Your Retirement Corpus in India
A retirement corpus calculation for India requires four inputs the global calculators miss: EPF contributions, the 7th Pay Commission structure for government employees, India's long-term inflation rate (historically 5.5–7%), and the post-retirement return on a conservative Indian portfolio (Senior Citizen Savings Scheme, debt mutual funds, and annuities).
The standard formula compounds your current savings and monthly SIP at your expected pre-retirement return, then calculates the corpus needed to sustain inflation-adjusted monthly withdrawals over your expected retirement period. The gap between the two is the number you need to close.
For FY 2025–26: EPF employee contribution remains 12% of basic salary (capped at ₹15,000 basic), NPS Tier 1 contribution qualifies for deduction under Section 80CCD(1B) up to ₹50,000 over the Section 80C limit. Both should run in parallel with equity mutual fund SIPs for anyone targeting retirement before 55.
How much corpus do I need to retire in India?
A commonly used rule: 25–30 times your annual expenses at retirement (inflation-adjusted to retirement year). At 6% inflation, ₹50,000/month today becomes roughly ₹1.6 lakh/month after 20 years — requiring a corpus of ₹4–5 crore. This calculator runs the precise version of that math for your specific numbers.
Does this calculator include EPF?
Include your current EPF balance in the "Current Savings" field. Your monthly EPF contribution (you + employer) should go into "Monthly SIP / Investment." EPF currently earns 8.25% — if your EPF forms a large share of savings, set your pre-retirement return rate closer to 9–10%.
What return rate should I use for Indian equity mutual funds?
Nifty 50 has delivered approximately 12–13% CAGR over 20-year periods. Use 10–12% for a diversified equity SIP portfolio. Use 7–8% for a balanced (60:40 equity:debt) portfolio. Use 6–7% post-retirement when shifting to capital-preservation instruments.
How does inflation affect my retirement corpus?
At 6% inflation, money loses half its purchasing power every 12 years. ₹1 lakh today buys the same as ₹50,000 will buy in 2037. This calculator inflates your required expenses to retirement year and then compounds the withdrawal need annually through your retirement period — giving you a corpus target in today's rupees and in retirement-year rupees.
