Retirement and FIRE
Corpus needed to retire, with an India-specific withdrawal rate.
Your inputs
What do you want to find?
What you spend now that will continue after retirement.
Advanced settings
How the yearly return is applied
Most apps divide the yearly return by 12, which shows about 3.5% more over 10 years. We use the effective rate by default, so 12% means 12% a year.
Payment timing
Results
Generated on 11 Oct 2026
Your inputs
| What do you want to find? | Retirement plan |
|---|---|
| Your current age | 30 yrs |
| Retirement age | 60 yrs |
| Plan until age | 85 yrs |
| Monthly expenses today | ₹50,000 |
| Savings already invested | ₹5,00,000 |
| Return before retirement | 12% |
| Return after retirement | 7% |
| Inflation (per year) | 6% |
| Inflation after retirement | 6% |
| Current EPF balance | ₹0 |
| Monthly EPF contribution | ₹0 |
| EPF interest rate | 8.25% |
| Step-up for the rising SIP option | 10% |
| How the yearly return is applied | Effective (12% = 12% a year) |
| Payment timing | Start of month |
Monthly SIP needed
₹20,178
every month until age 60
- Corpus needed at retirement
- ₹7,71,48,478
- Or a starting SIP rising 10% a year
- ₹7,785
- Monthly expenses at retirement
- ₹2,87,175
- Existing savings will grow to
- ₹1,49,79,961
- Gap to fill with SIP
- ₹6,21,68,517
Year-by-year breakdown
| Age | Phase | Invested in year | Withdrawn in year | Value at year end |
|---|---|---|---|---|
| 31 | Saving | ₹2,42,138 | ₹0 | ₹8,17,605 |
| 32 | Saving | ₹2,42,138 | ₹0 | ₹11,73,323 |
| 33 | Saving | ₹2,42,138 | ₹0 | ₹15,71,726 |
| 34 | Saving | ₹2,42,138 | ₹0 | ₹20,17,939 |
| 35 | Saving | ₹2,42,138 | ₹0 | ₹25,17,696 |
| 36 | Saving | ₹2,42,138 | ₹0 | ₹30,77,425 |
| 37 | Saving | ₹2,42,138 | ₹0 | ₹37,04,321 |
| 38 | Saving | ₹2,42,138 | ₹0 | ₹44,06,445 |
| 39 | Saving | ₹2,42,138 | ₹0 | ₹51,92,823 |
| 40 | Saving | ₹2,42,138 | ₹0 | ₹60,73,567 |
| 41 | Saving | ₹2,42,138 | ₹0 | ₹70,60,000 |
| 42 | Saving | ₹2,42,138 | ₹0 | ₹81,64,805 |
| 43 | Saving | ₹2,42,138 | ₹0 | ₹94,02,187 |
| 44 | Saving | ₹2,42,138 | ₹0 | ₹1,07,88,054 |
| 45 | Saving | ₹2,42,138 | ₹0 | ₹1,23,40,225 |
| 46 | Saving | ₹2,42,138 | ₹0 | ₹1,40,78,658 |
| 47 | Saving | ₹2,42,138 | ₹0 | ₹1,60,25,702 |
| 48 | Saving | ₹2,42,138 | ₹0 | ₹1,82,06,391 |
| 49 | Saving | ₹2,42,138 | ₹0 | ₹2,06,48,763 |
| 50 | Saving | ₹2,42,138 | ₹0 | ₹2,33,84,219 |
| 51 | Saving | ₹2,42,138 | ₹0 | ₹2,64,47,931 |
| 52 | Saving | ₹2,42,138 | ₹0 | ₹2,98,79,287 |
| 53 | Saving | ₹2,42,138 | ₹0 | ₹3,37,22,407 |
| 54 | Saving | ₹2,42,138 | ₹0 | ₹3,80,26,701 |
| 55 | Saving | ₹2,42,138 | ₹0 | ₹4,28,47,510 |
| 56 | Saving | ₹2,42,138 | ₹0 | ₹4,82,46,816 |
| 57 | Saving | ₹2,42,138 | ₹0 | ₹5,42,94,039 |
| 58 | Saving | ₹2,42,138 | ₹0 | ₹6,10,66,929 |
| 59 | Saving | ₹2,42,138 | ₹0 | ₹6,86,52,565 |
| 60 | Saving | ₹2,42,138 | ₹0 | ₹7,71,48,478 |
| 61 | In retirement | ₹0 | ₹34,46,095 | ₹7,88,61,550 |
| 62 | In retirement | ₹0 | ₹36,52,860 | ₹8,04,73,298 |
| 63 | In retirement | ₹0 | ₹38,72,032 | ₹8,19,63,355 |
| 64 | In retirement | ₹0 | ₹41,04,354 | ₹8,33,09,131 |
| 65 | In retirement | ₹0 | ₹43,50,615 | ₹8,44,85,612 |
| 66 | In retirement | ₹0 | ₹46,11,652 | ₹8,54,65,137 |
| 67 | In retirement | ₹0 | ₹48,88,351 | ₹8,62,17,161 |
| 68 | In retirement | ₹0 | ₹51,81,652 | ₹8,67,07,994 |
| 69 | In retirement | ₹0 | ₹54,92,551 | ₹8,69,00,524 |
| 70 | In retirement | ₹0 | ₹58,22,104 | ₹8,67,53,909 |
| 71 | In retirement | ₹0 | ₹61,71,431 | ₹8,62,23,252 |
| 72 | In retirement | ₹0 | ₹65,41,717 | ₹8,52,59,242 |
| 73 | In retirement | ₹0 | ₹69,34,220 | ₹8,38,07,774 |
| 74 | In retirement | ₹0 | ₹73,50,273 | ₹8,18,09,527 |
| 75 | In retirement | ₹0 | ₹77,91,289 | ₹7,91,99,514 |
| 76 | In retirement | ₹0 | ₹82,58,766 | ₹7,59,06,600 |
| 77 | In retirement | ₹0 | ₹87,54,292 | ₹7,18,52,969 |
| 78 | In retirement | ₹0 | ₹92,79,550 | ₹6,69,53,558 |
| 79 | In retirement | ₹0 | ₹98,36,323 | ₹6,11,15,442 |
| 80 | In retirement | ₹0 | ₹1,04,26,502 | ₹5,42,37,165 |
| 81 | In retirement | ₹0 | ₹1,10,52,093 | ₹4,62,08,028 |
| 82 | In retirement | ₹0 | ₹1,17,15,218 | ₹3,69,07,306 |
| 83 | In retirement | ₹0 | ₹1,24,18,131 | ₹2,62,03,417 |
| 84 | In retirement | ₹0 | ₹1,31,63,219 | ₹1,39,53,012 |
| 85 | In retirement | ₹0 | ₹1,39,53,012 | ₹0 |
Assumptions and method
Formula
- Corpus = E · (1 + r) · [1 − ((1 + g)/(1 + r))^N] / (r − g)
- E = first-year expense at retirement; r, g = post-retirement return and inflation; N = years in retirement
- Required SIP solved by bisection on the simulator
Conventions used
- Monthly rate: i = (1 + r)^(1/12) − 1 (Effective (12% = 12% a year))
- Money moves at the start of each month, so an instalment earns that month's return.
Modelling notes
- Corpus = PV of a growing annuity-due of annual expenses: E·(1+r)·[1−((1+g)/(1+r))^N]/(r−g).
- Pre-retirement inflation 6.0%, post-retirement inflation 6.0%.
- Return 12.0% before and 7.0% after retirement.
Not included
- Market ups and downs: the same return is assumed every month.
- Expense ratio, exit load and stamp duty, unless your expected return already allows for them.
- Income tax on gains (turn on the post-tax option to estimate it).
This is an illustration based on the return you entered. Actual returns vary and may be lower or negative.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
Your retirement corpus must pay for your expenses, rising with inflation, for every year from retirement until your planning age. The calculator inflates today’s monthly expenses to your retirement date and finds the corpus that funds them at a conservative post-retirement return.
It then subtracts what your existing savings (and EPF, NPS or PPF) will grow to and works out the monthly SIP needed. The FIRE tab instead asks: at my current savings rate, when do I reach financial independence, using a 3.5% safe withdrawal rate that suits Indian inflation?
Frequently asked questions
Why a 3.5% withdrawal rate and not 4%?
The 4% rule comes from US data with lower inflation. With Indian inflation around 5–6%, a lower rate of 3–3.5% gives more margin for a long retirement.
What return should I assume after retirement?
Usually lower than before retirement, because most of the money moves to debt and hybrid funds; 7% is a common planning figure.
How long should I plan for?
Plan until at least 85 or 90. Running out of money late in life is a larger risk than leaving some behind.