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Two rules of thumb make retirement planning easier. Save about 15% of your income every year, and aim for a corpus of about 25 times your yearly expenses, the idea behind the 4% withdrawal rule.
Enter your income, age, planned retirement age and yearly expenses to see your monthly savings target, the corpus needed and the years left.
| Annual Income | ₹1,200,000 |
| Current Age | 30 yrs |
| Target Retirement Age | 60 yrs |
| Current Annual Expenses | ₹600,000 |
| Save every month (15% rule) | ₹15,000 |
| Corpus needed in today's money (25×) | ₹1.5 crore |
| Corpus needed at retirement (6% inflation) | ₹8.62 crore |
| Years to retirement | 30 years |
| Monthly SIP needed at 12% return | ₹24,406 |
| 15% rule saved for 30 years at 12% | ₹5.29 crore |
Save ₹15,000 a month; corpus at retirement ₹8.62 crore; SIP needed ₹24,406.
Try this example →No. Expenses will rise with inflation. Use the inflation calculator to project them to your retirement date.
Historically a portfolio could support withdrawals of about 4% a year for decades. It is a guideline, not a guarantee.
Start with what you can and increase it each year as your income grows.
About 25 times your yearly expenses at retirement. With 6% inflation, ₹6 lakh of expenses today becomes about ₹34 lakh a year in 30 years, needing a corpus of about ₹8.6 crore.