What multiple of expenses should retirement corpus be?

20-25× current annual expenses for a 30-year retirement (4-5% safe withdrawal rate). For India with 6% inflation, lean toward 30× for safety.

Retirement Corpus Calculator

Calculate the corpus you need at retirement to maintain your lifestyle, factoring inflation and life expectancy.

Updated April 2026•Reviewed by CA Priya Sharma (Membership No. 234567)

Current age

yrs

Retirement age

yrs

Life expectancy

yrs

Inflation

Current monthly expenses60 Thousand

₹

Pre-retire return

Post-retire return

Corpus needed at retirement

₹9.17 Cr

In 30 years

Monthly SIP needed today

₹25,982

At 12% pre-retire return

Future monthly expenses

₹3.45 L

At retirement (today: ₹60.0K)

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