Retirement number
The corpus you'll need — and the SIP to get there.
Quick answer
A retirement calculator estimates the corpus needed at retirement using the 25× rule (25 times annual expenses) and the monthly SIP required to build it. Starting early dramatically reduces the monthly amount needed.
Corpus you'll need
To retire comfortably, keeping your lifestyle after inflation.
- Invest per month
- ₹14,342
- Your expenses then
- ₹3,07,443/mo
Based on the 25× rule — a ~4% safe withdrawal each year. Start early and the monthly number gets tiny.
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
Retirement feels far away, which is exactly why starting early is so powerful. This estimates the corpus you'll need and the monthly SIP to build it.
How it's calculated
We inflate today's expenses to your retirement age, apply the 25× rule (a ~4% safe annual withdrawal), then solve for the monthly SIP needed at your expected return.
Common questions
- What is the 25× / 4% rule?
- Save 25 times your annual expenses, and you can withdraw ~4% a year, adjusted for inflation, with a low chance of running out. It's a planning rule of thumb, not a guarantee.