# Retirement Calculator: Corpus and SIP Needed > Retirement calculator for India. Turn today's expenses into the corpus you need using inflation and returns, and find the monthly SIP that builds it. Source: https://trykosh.com/tools/retirement-calculator Free tool - Salary and retirement # Retirement calculator: corpus and monthly SIP you need Find out how big a retirement corpus your lifestyle needs and what you must invest each month to get there. The calculator inflates today's expenses, funds them for every year of retirement, and credits the savings you already have. Rules checked 25 October 2026Free - no sign-upRuns in your browser Retirement corpus needed INR 8.24 crore To cover INR 3,06,701 a month from age 60, rising with inflation, until 85 Monthly SIP needed**INR 36,825** Today's savings grow to**INR 1.44 crore** Expenses at retirement**INR 3,06,701/mo** Covered by today's savings **INR 1,44,20,994**Still to build **INR 6,79,73,252** Expenses today INR 60,000 a month In 28 years at 6% inflation INR 3,06,701 a month Corpus to fund 25 years of that, earning 7% INR 8,23,94,245 − Today's INR 10,00,000 grown at 10% INR 1,44,20,994 Gap INR 6,79,73,252 Monthly SIP for 28 years at 10% INR 36,825 How the corpus runs down in retirement Age Monthly spend Corpus at start of year 60 INR 3,06,701 INR 8.24 crore 65 INR 4,10,435 INR 9.02 crore 70 INR 5,49,255 INR 9.27 crore 75 INR 7,35,027 INR 8.46 crore 80 INR 9,83,632 INR 5.79 crore 84 INR 12,41,813 INR 1.49 crore Expenses roughly 5.1x today's by the time you retire: that's what 28 years of 6% inflation does. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh maps your salary, PF and savings, then tells you whether you're on track for retirement, month by month. [Start free](/signup?via=tool-retirement-calculator) ## How the retirement calculator works Start with your monthly household expenses today, leaving out EMIs that will end before you retire and costs such as children's school fees. The calculator grows this at the inflation rate you choose (6% by default) until retirement. At 6%, expenses roughly double every 12 years, so INR 60,000 a month today becomes about INR 3 lakh a month in 28 years. Next it works out the corpus needed on the day you retire. The corpus must pay a year's expenses at the start of each year, keep the rest invested at the post-retirement return, and raise the withdrawal with inflation every year until the age you plan to. When the return is only a little above inflation, the corpus has to be roughly 20 to 25 times your first year's expenses. Your existing retirement savings, such as EPF, PPF, NPS and earmarked funds, are grown at the pre-retirement return and subtracted. The gap is converted into a monthly SIP over the years you have left. Both returns are assumptions you can change: 10% before retirement reflects a mix of equity and debt, and 7% after reflects a mostly safer portfolio. The table at the end shows how the corpus behaves in retirement: it may keep growing at first, because returns exceed early withdrawals, then run down to near zero by the final age. If your plan-until age is too low, you risk outliving your money. Corpus = E x \[1 − (1 + i)^−n\] / i x (1 + i) - SIP = (corpus − savings grown) / SIP factor E first year's expenses at retirement i real return after retirement: (1 + return) / (1 + inflation) − 1 n years in retirement ## Worked example: Farhan, 40, plans to retire at 58 in Kochi Farhan's household spends INR 80,000 a month. In 18 years, at 6% inflation, that becomes INR 2,28,347 a month. To pay that, rising each year, for 30 years from 58 to 88 while earning 7%, he needs INR 7.2 crore at retirement. His INR 35 lakh in EPF, PPF and funds could grow to INR 1,94,59,711 at an assumed 10%, leaving a gap of INR 5,25,18,606. That takes a SIP of INR 86,726 a month for 18 years, which shows why starting at 40 makes the job much harder. Retirement corpus needed INR 7.2 crore To cover INR 2,28,347 a month from age 58, rising with inflation, until 88 Monthly SIP needed**INR 86,726** Today's savings grow to**INR 1.95 crore** Expenses at retirement**INR 2,28,347/mo** Covered by today's savings **INR 1,94,59,711**Still to build **INR 5,25,18,606** Expenses today INR 80,000 a month In 18 years at 6% inflation INR 2,28,347 a month Corpus to fund 30 years of that, earning 7% INR 7,19,78,316 − Today's INR 35,00,000 grown at 10% INR 1,94,59,711 Gap INR 5,25,18,606 Monthly SIP for 18 years at 10% INR 86,726 Expenses roughly 2.9x today's by the time you retire: that's what 18 years of 6% inflation does. [Load this example into the calculator ->](?age=40&retireAge=58&lifeAge=88&expenses=80000&existing=3500000#calculator) ## Good to know - EPF earned 8.25% for FY 2025-26. Leaving it untouched when you change jobs, by transferring rather than withdrawing, is one of the simplest retirement moves. - Health costs rise faster than general inflation in old age. Keep a separate health insurance policy going into retirement rather than relying on the corpus. - When you draw from equity funds in retirement, long-term gains above INR 1.25 lakh a year are taxed at 12.5%. Spreading withdrawals across years uses the exemption each time. - A step-up SIP that rises 5-10% a year with your salary can start far lower than the flat SIP shown here. - Review the plan every few years. A one-point change in inflation or return over 25 years moves the corpus by crores. ## Frequently asked questions How much money do I need to retire in India? Roughly 20 to 30 times your yearly expenses at the time you retire, depending on how long retirement lasts and how much your money earns above inflation. For someone spending INR 50,000 a month today and retiring in 25 years, that can easily be INR 5-7 crore in future rupees. Is INR 1 crore enough to retire? For most urban families retiring 20 or more years from now, no. At 7% returns and 6% inflation, INR 1 crore supports about INR 37,000 a month, rising each year, for 25 years. Most city households will be spending far more than that by the time they retire. What inflation rate should I use for retirement planning? 6% is a common assumption for India, a little above recent consumer inflation, to allow for lifestyle and healthcare costs. Testing 7% shows how sensitive your plan is. Does EPF count toward my retirement corpus? Yes. Enter your current EPF balance with your other retirement savings. Your future EPF contributions also build the corpus, so you can reduce the SIP shown here by roughly your monthly EPF contribution (yours plus your employer's EPF share). What return should I assume after retirement? Lower than before retirement, because most of the money should move to safer options that won't fall sharply just as you need to withdraw. 6-8% is a common assumption for a conservative mix; the calculator uses 7%. ## Sources and assumptions - [EPFO](https://www.epfindia.gov.in/) - [PFRDA (NPS)](https://www.pfrda.org.in/) - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.