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How Much Money Do You Need to Retire?
1 Oct 2026The number is bigger than most people expect, because inflation raises your expenses every year.
Example
You are 30, expect to retire at 60 and plan until 85. Your monthly expenses today are ₹50,000.
| Assumption | Value |
|---|---|
| Inflation | 6% |
| Return before retirement | 11% |
| Return after retirement | 7% |
| Result | Estimate |
|---|---|
| Monthly expense at 60 | ₹2.87 lakh |
| Corpus needed at 60 | ₹7.71 crore |
| Monthly SIP needed | ₹27,259 |
If you already have ₹10 lakh saved for retirement, the SIP needed falls to about ₹19,170. Try your own numbers in the Retirement Calculator.
Why the corpus is so large
At 6% inflation, ₹50,000 today becomes ₹2.87 lakh in 30 years. See how inflation reduces your money.
How to improve your plan
- Start early.
- Raise your SIP every year with the Step-up SIP Calculator.
- Keep EPF, PPF and NPS as part of the mix.
- Review the plan every year.
These are estimates based on assumptions. Real returns and inflation will differ.
Try the Retirement Calculator