FreeFuelBill.inRetirement Corpus CalculatorCheck my progress

Retirement planning calculator India

Retirement Corpus Calculator India

Check your age-wise retirement progress in 30 seconds

Target corpus

4% & 3% rule, inflation-adjusted

Age benchmarks

Salary multiple at 30 · 40 · 50 · 60

SIP needed

Monthly amount to catch up

Enter 3 numbers to see your retirement corpus target, progress score, and monthly SIP needed — powered by realistic Indian salary growth, savings rates, and the 3% vs 4% withdrawal rules used in age-wise retirement planning.

Updated April 2026Works in your browserNo signup required

Check my progress See age benchmarks

Your details

Three inputs are enough for a realistic estimate. Edit assumptions later if you want.

Current age (years)

Between 18 and 70 years.

Annual salary (pre-tax)

₹

Your gross annual pay today.

Current retirement corpus / investable net worth

₹

Mutual funds, EPF, NPS, equities, FDs meant for retirement.

Runs entirely in your browser. No signup, nothing saved.

Ahead of target

Your projected corpus clears both the 4% and 3% retirement targets.

Target corpus · 4% rule

₹10.5Cr

₹10,54,28,538 at age 60

25× your inflation-adjusted retirement expenses.

Progress

142%

of 4% target

Projected: ₹15.0Cr

Extra SIP needed

₹0

Your current savings path already covers this target.

Full SIP from zero: ₹55k/mo (4% target)

Target corpus (3% rule)

₹14.1Cr

33× expenses · conservative lens

Projected by 60

₹15.0Cr

107% of 3% target

Your salary multiple

0.5×

Benchmark at 32: 1.4×

Behind on today’s salary multiple, but still on track for retirement because your projected savings path catches up over time.

SIP needed (3% rule)

₹76k total

+ ₹21k/mo to upgrade from 4% → 3% target

Illustrative estimates, not financial advice. Edit the advanced assumptions to match your own return and inflation expectations.

Recalculate with new inputs

Retirement corpus by age

Age 30 · 40 · 50 · 60

Age 30

53%

0.5×

vs 1.0× benchmark

Corpus

₹8.0L

benchmark: ₹15.0L

Age 40

86%

2.6×

vs 3.0× benchmark

Projected corpus

₹95.7L

benchmark: ₹1.11Cr

Age 50

117%

7.0×

vs 6.0× benchmark

Projected corpus

₹4.67Cr

benchmark: ₹3.99Cr

Age 60

190%

15.2×

vs 8.0× benchmark

Projected corpus

₹15.0Cr

benchmark: ₹7.88Cr

Journey from 32 to 60

How to strengthen your retirement buffer

Stress-test your plan with lower return assumptions or higher inflation to see how much margin you really have.
Expand the plan. Consider retiring earlier, spending more in retirement, or building a larger medical buffer.
Revisit asset allocation and withdrawal strategy every 2–3 years — being ahead does not remove sequence-of-returns risk.
Use the SIP calculator to see how much surplus capacity you have on top of the 3% target.

Stress-test my plan See my SIP surplus

Optional · after your plan is ready

Optional tools to implement your plan

If you want to act on your result, these tools can help you start a SIP, build a retirement buffer, or earn small extra rewards that can be redirected into long-term investing.

Affiliate disclosure: some links below are affiliate links. FreeFuelBill.in may earn a commission at no extra cost to you. These tools are optional and do not affect your calculator result.

Implementation · Investing

Start your SIP

Open a discount-broker demat account to automate the monthly SIP your retirement plan needs. These two brokers are the most common low-cost options for Indian retail investors.

₹ 0 account-opening & zero delivery brokerage on equity
Automated mutual-fund SIPs — set it once, let compounding work
Fast e-KYC onboarding, fully paperless

Open Upstox demat Open Angel One demat

Sponsored · affiliate links · broker T&Cs apply. Plan your SIP first.

Implementation · Savings

Up to 5.50% p.a.*

Park short-term surplus safely

For your emergency buffer or money waiting to be deployed into SIPs, a zero-balance digital savings account with auto-sweep earns more than an idle current account.

Up to 5.50% p.a.* with Kotak ActivMoney auto-sweep — effortlessly beats the 2.75–3% paid by most savings accounts
Zero balance, zero paperwork — open fully online via video KYC
Clean auto-debit mandate for your SIPs and credit-card bills, with instant UPI & IMPS
Useful as a short-term corpus parking account before SIP or lumpsum deployment

Open Kotak811 account See savings guide

Sponsored · affiliate link · bank T&Cs apply. *ActivMoney auto-sweep rate, conditions apply.

Earn SIP fuel with rewards cards

Optional · rewards

Turn everyday spending rewards into extra monthly investing capacity.

Rewards card · online spends

Fee ₹999 · waived on ₹2L spend

SBI Cashback Card

High-earning card for salaried users whose bigger spends are online — easy to redirect the cashback into your SIP.

5% cashback on almost all online spends (Amazon, Flipkart, Swiggy, Zomato, Myntra, etc.)
1% cashback on offline spends, auto-credited as statement credit
Cashback cap ₹5,000/month — effectively ₹60,000/yr of potential SIP fuel
No platform lock-in — works on any device, unlike GPay-only cards

Apply for SBI Cashback Read review

Sponsored · affiliate link · issuer T&Cs apply

Rewards card · bills & rent

Fee ₹499 · waived on ₹2L spend

Axis ACE Credit Card

A strong everyday card if your fixed monthly outflows — rent, utilities, recharges — can be routed through Google Pay.

5% cashback on utility bill payments & recharges via Google Pay
4% cashback on Swiggy, Zomato and Ola
2% flat cashback on all other spends — including rent via GPay
Low annual fee, auto-redeemed cashback — a disciplined way to top up your SIP

Apply for Axis ACE Read review

Sponsored · affiliate link · issuer T&Cs apply

Rewards are not a retirement strategy on their own, but disciplined users can redirect cashback into long-term investing.

These tools are optional. Your retirement target and SIP gap are calculated independently of any partner links.

Recalculate

3% rule vs 4% rule for retirement in India

The 4% rule is the most cited retirement heuristic: withdraw 4% of your corpus in year one, adjust that rupee amount for inflation each year, and your portfolio has historically survived 30-year retirements in Western markets. For a planner, it translates into a neat target – 25 times your annual retirement expenses.

The 3% rule is a more conservative lens many Indian planners prefer. It asks for roughly 33 times annual expenses, builds in a buffer for longer lifespans, medical inflation, and higher equity volatility, and is closer to what academic “safe withdrawal rate” research suggests for 40-year horizons.

How to decide

Using the 4% rule is reasonable if you retire at 60, expect a 30-year retirement, and are comfortable with some market risk.
The 3% rule suits early retirees, single-income households, and anyone who wants a heavier safety margin for medical expenses or longer life expectancy.
Either way, these are planning frameworks – not guarantees. Review your plan every 2–3 years and adjust for actual returns.

How to calculate your retirement corpus in India

The simplest way to estimate a retirement corpus is to start from your current annual expenses, grow them to your retirement age using your expected inflation, and multiply the result by 25 (for the 4% rule) or about 33 (for the 3% rule). The calculator above does exactly that and adds two things most rough calculators miss: a year-by-year corpus projection and an age-wise benchmark comparison.

Your current corpus is compounded at the chosen growth rate, and a realistic share of your salary is added each year as fresh savings. Salary growth slows as you age – 15% in your 20s, 12% in your 30s, then 6% and 4% – and savings-rate assumptions change too, matching how most Indian professionals actually behave through their career.

What should your retirement savings be at age 30, 40, 50 and 60

Age-wise benchmarks give you a quick health check. As a rule of thumb, aim for around 1x your annual salary as investable net worth by age 30, 3x by 40, 6x by 50 and 8x by 60. These salary multiples map cleanly to the 4% rule target because they assume you save consistently through your career and your corpus compounds at a realistic rate.

The milestone cards above show how your projected corpus compares to these benchmarks for each decade – so you can see at a glance whether you are ahead, tracking, or behind. If you started late, an age-30 or age-40 gap isn’t catastrophic; the catch-up SIP in the result card tells you exactly how much to add per month.

How much SIP do you need for retirement

A useful way to think about a retirement SIP is as the monthly contribution that bridges today’s corpus to your target at age 60, given a reasonable real return. The calculator uses the standard future-value-of-annuity formula with a correct compound monthly rate, so the SIP figure you see is the real number you need, not an under-estimate.

If you already invest through EPF, NPS or mutual funds, count those contributions against this figure. The “extra SIP to close the gap” number is only the top-up you need on your current savings trajectory – a much more honest planning anchor.

Why inflation matters in retirement planning

Inflation is the single biggest reason rough retirement targets fail. At 6% inflation, ₹ 1 lakh of monthly expenses today becomes about ₹ 3.2 lakh a month 20 years from now. Your retirement corpus has to be large enough to fund that inflation-adjusted spending every year for 25–35 years, with the remaining balance still growing.

The calculator always reports an inflation-adjusted retirement corpus. If you think Indian inflation will be closer to 7% or 8% over your lifetime, bump up the assumption in the advanced section and watch how quickly the required corpus rises – that sensitivity is the whole reason careful retirement planning pays off.

What to do if you are behind on your retirement goal

If the calculator flags you as slightly behind or needing catch-up, focus on four levers in order: increase your monthly SIP, protect equity allocation through your 40s and 50s, delay retirement by a few years, and revisit retirement-age expenses to see whether you can live on 80–90% of today’s lifestyle. Each of these changes the math more than most people expect.

A useful exercise is to rerun the calculator with a retirement age of 62 instead of 60. Two extra years of compounding and savings at 10% can reduce the SIP you need today by 20–30%, which is often far easier than trying to save a much larger amount every month for the rest of your working life.

Frequently asked questions

How to calculate retirement corpus in India?

Multiply your inflation-adjusted annual expenses at retirement age by 25 for the 4% rule, or by 33 for the more conservative 3% rule. This retirement corpus calculator handles inflation, salary growth, and age-wise benchmarks automatically so you can see the required corpus and the monthly SIP in one screen.

What should my retirement savings be at age 30, 40, 50 and 60?

As an age-wise retirement savings by age India benchmark, aim for roughly 1x your annual salary by 30, 3x by 40, 6x by 50, and 8x by 60. These salary multiples are a net worth benchmark by age India that accounts for realistic Indian salary growth and savings rates. Your milestone cards above show where you stand against each marker.

How much retirement corpus do I need in India?

If you expect ₹ 12 lakh a year in retirement expenses, you will need roughly 25x that amount — about ₹ 3 Cr under the 4% rule — or 33x (about ₹ 4 Cr) under the 3% rule. The calculator above inflates today’s expenses to your retirement age first, so the ₹ target is already inflation-adjusted.

How much SIP do I need for retirement?

The SIP you need depends on your current age, corpus, expected returns and retirement goal. The calculator shows the exact monthly SIP to bridge the gap between today’s corpus and your 4% target by age 60. As a rough benchmark, a 30-year-old earning ₹ 15 lakh a year with no corpus typically needs ₹ 25,000–₹ 35,000 a month at 10% expected returns.

What is the 4% rule vs the 3% rule for India?

The 4% rule says you can withdraw 4% of your corpus in year one and inflation-adjust it each year — implying a corpus of 25 times your first-year retirement expenses. The 3% rule is a more conservative India-friendly lens (around 33 times expenses) that builds in a buffer for longer retirements and rising healthcare costs. The calculator shows both targets side by side.

Does this retirement corpus calculator include inflation?

Yes. All corpus estimates are inflation-adjusted from your current age to retirement using your chosen rate (default 6%). This is a true inflation adjusted retirement corpus, not a nominal figure — the ₹ target reflects what your lifestyle will actually cost at age 60.

Can I retire early in India with this calculator?

Yes — change the retirement age in the advanced assumptions to 45, 50 or 55 and the calculator recomputes your target corpus, projected corpus, and the SIP required. Early retirement usually calls for a higher savings rate and a more conservative 3% withdrawal rate.

What if I am starting retirement planning late?

Starting in your 40s or 50s is still worthwhile. Focus on maximising your savings rate, keeping equity allocation meaningful through your 50s, and considering a later retirement age. The calculator shows the SIP step-up you need and where you stand against the age-wise benchmark.

Is my data saved?

No. The calculator runs entirely in your browser. Nothing is stored, sent to a server or shared. There is no signup.

Keep planning

Use these companion tools to tune the SIP that powers your retirement corpus and to model your salary growth realistically.

Tool

SIP calculator with inflation adjustment

Project the exact future value of your retirement SIP in today’s rupees.

Guide

Age-based SIP planning for Indians

Equity vs debt allocation by age, step-up SIP guidance, and milestone targets.

Tool

Salary raise simulator

Model realistic annual salary growth – a key input behind the retirement benchmarks.