How Much Retirement Corpus Do You Really Need in India?

Finance 8 May 2026 1 min read

How Much Retirement Corpus Do You Really Need in India?

Investment · 8 Nov 2025 · 8 min read

Most retirement calculators give you a number that feels terrifying. But broken down into monthly SIPs from your 30s, the goal is very achievable.

The 25× rule

Add up your annual expenses, multiply by 25. That is your minimum corpus assuming a 4% safe withdrawal rate. ₹50,000/month spend = ₹1.5 cr today.

Adjust for inflation

₹50,000 today at 6% inflation becomes ₹1.6 lakh in 20 years. Retirement at 60 with current expenses of ₹50K/month means ₹4-5 cr corpus needed.

What monthly SIP gets you there?

Starting at 30, ₹15,000/month at 12% returns ≈ ₹4.5 cr at 60. Starting at 40, you would need ~₹50,000/month — a 3× jump for a 10-year delay.

NPS sweetens the deal

Section 80CCD(1B) gives an extra ₹50,000 deduction. NPS auto-rebalances toward debt as you age — exactly what a retirement corpus needs.

Final word

Use our Retirement Calculator (India) to plug your own expenses, age and inflation assumption. Adjust SIP every 2-3 years as your salary grows.

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