Retirement Planning & Corpus Calculator – Calculate Target Nest Egg & Monthly SIP Needed

Your required corpus depends on your current living expenses, inflation rate, and retirement horizon. For example, a 30-year-old with ₹50,000 monthly living costs retiring at 60 requires approximately ₹5.5 to ₹6.0 Crores to sustain a comfortable lifestyle until age 85 at 6% annual inflation.

The 4% Rule states that you can safely withdraw 4% of your total retirement nest egg in your first year of retirement, adjusting for inflation annually, with virtually zero risk of running out of money over a 30-year retirement period.

At an average inflation rate of 6% in India, living expenses double approximately every 11.6 years. A monthly expense of ₹50,000 today will escalate to ₹2,87,000 per month by the time you reach age 60.

An SWP allows you to withdraw a fixed monthly pension from your mutual fund investments while the remaining balance continues to earn market returns in low-risk hybrid or debt funds, providing superior tax efficiency compared to traditional bank FDs.

Yes! Your existing EPF, PPF, and National Pension Scheme (NPS) balances form the solid sovereign debt anchor of your retirement corpus, significantly reducing the monthly fresh SIP amount required today.

Financial planners recommend a bucket strategy: 2-3 years of living expenses in liquid/FD instruments, 50%-60% in high-grade debt/SCSS/POMIS for guaranteed regular cash flows, and 20%-30% in diversified large-cap equity to beat ongoing inflation.