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Retirement Calculator

The number you actually
need to retire

Most people either overestimate or underestimate this. Enter your situation honestly and get a real inflation-adjusted target — including how much SIP you'd need to get there.

₹
Your total household spend — rent, food, transport, everything
years old
years old
% / year
% / year
Conservative: 6–7% (FD/debt). Balanced: 8–9% (mix). Equity: 11–12%.
Corpus you'll need
₹4.78 Cr
to sustain ₹60,000/month (today's money) after retirement
Monthly expense at retirement ₹1,93,479
Years to build corpus 25 years
Monthly withdrawals last (est.) 30+ years
SIP needed to reach this (at 12% return)
₹24,500 / month
Starting today, investing consistently
Track your progress in Worthly
25×
The classic rule — your corpus should be 25× your annual retirement expenses
4%
Safe withdrawal rate — you can spend 4% of your corpus per year without running out
2%
Real return after inflation — what your corpus actually earns in purchasing-power terms

Common questions

How does this calculator work?
Step 1: We inflation-adjust your current expenses to what they'll be at retirement. Step 2: Using the 4% withdrawal rate rule, we calculate the corpus needed to sustain those expenses indefinitely. Step 3: We back-calculate the SIP you'd need over your remaining working years to reach that corpus.
Is the 4% rule valid in India?
The 4% rule was developed for US market conditions. In India, a 3.5% withdrawal rate is more conservative given variable equity returns and higher inflation. Using a larger corpus (30× annual expenses instead of 25×) is safer for long retirements. This calculator uses 25× as a starting point — consider aiming higher if you're retiring early.
What return should I assume for my corpus post-retirement?
Post-retirement portfolios typically shift toward lower-risk assets. A balanced debt/equity mix might return 7–9%. If you're very conservative (mostly FDs/bonds), use 6–7%. Higher equity exposure (which carries more risk in retirement) might earn 10–11%.
Am I on track? How do I know?
Worthly's Health Check feature benchmarks your current net worth against your retirement goal and shows whether you're ahead or behind. Calculate your net worth free →