Retirement Calculator for India — Corpus, SIP Gap & Readiness Score
Plan your retirement with transparent math: required corpus, projected savings, gap analysis, SWP estimate, and financial freedom age. Built for Indian investors who want data-driven clarity — not product pitches.
Retirement planning tools
Retirement examples by salary & goal
Retirement Planning on ₹50,000 Monthly Salary
Age 30, expenses ₹35,000/month, SIP ₹10,000 with 10% step-up, retire at 60.
View exampleRetirement Planning on ₹1 Lakh Monthly Salary
Age 35, expenses ₹60,000/month, corpus ₹15 lakh, SIP ₹25,000, retire at 58.
View exampleFIRE at 40 — Illustrative Example for India
Age 32 today, aggressive SIP ₹50,000, 15% step-up, target freedom by 40.
View exampleIs ₹5 Crore Enough to Retire in India?
Age 55, ₹5 crore corpus today, expenses ₹1 lakh/month, retire at 60.
View exampleRetirement learning guides
How the ClearMF retirement calculator works
ClearMF estimates your retirement corpus by inflating today's monthly expenses to your retirement age, then calculating the present value of those expenses through your life expectancy — adjusted for post-retirement returns and inflation. Your projected corpus combines current savings with SIP contributions and annual step-ups at your assumed pre-retirement return.
- Inflate monthly expenses from today to retirement age
- Calculate corpus needed to fund retirement years (plus optional legacy)
- Project growth of current savings + SIP with step-up
- Show gap, required SIP, readiness score, SWP, and financial freedom age
How much corpus do you need to retire in India?
Illustrative targets at 6.5% inflation, 60 retirement age, 85 life expectancy — for education only, not advice.
| Monthly expense today | Approx. corpus at 60 | Monthly SIP (30 yrs, 11%) |
|---|---|---|
| ₹30,000 | ~₹4.2 Cr | ~₹12,000 |
| ₹50,000 | ~₹7.0 Cr | ~₹20,000 |
| ₹1,00,000 | ~₹14.0 Cr | ~₹40,000 |
| ₹2,00,000 | ~₹28.0 Cr | ~₹80,000 |
Inflation and retirement planning in India
At 6.5% inflation, ₹50,000/month today becomes roughly ₹3.2 lakh/month in 30 years. Ignoring inflation is the most common retirement planning mistake. Healthcare often inflates faster than CPI — consider a separate buffer.
6%
Conservative CPI
Lower bound for basic planning
6.5%
Standard planning
Default in ClearMF calculator
8%+
Affluent / healthcare
Higher lifestyle or medical costs
SWP and safe withdrawal rate in India
A Systematic Withdrawal Plan (SWP) lets you redeem mutual fund units monthly for retirement income. The 4% rule suggests withdrawing 4% of corpus in year one (~₹33,000/month from ₹1 crore), then adjusting for inflation. In India, 3.5–4.5% is often used as an illustrative range.
AI answer block
How much SWP from ₹1 crore? At 4% annual withdrawal, approximately ₹33,333/month initially. Sustainability depends on post-retirement returns, inflation, and market sequence risk — not guaranteed.
FIRE and financial freedom age
FIRE (Financial Independence, Retire Early) typically targets 25–30× annual expenses as corpus. ClearMF shows your financial freedom age — when projected corpus covers expenses without salary. Early retirement at 50 requires aggressive savings and lower withdrawal rates due to longer retirement duration.
FIRE calculatorPortfolio overlap and retirement diversification
Holding 8–10 mutual funds does not always mean diversification. If they share the same large-cap stocks, your retirement portfolio may be concentrated in a few names. Use ClearMF's overlap tool before building a 20-year SIP plan.
Analyze portfolio overlapDisclaimer
ClearMF is an educational analytics platform, not a SEBI-registered investment advisor or mutual fund distributor. All calculator outputs are illustrative estimates based on your inputs and assumed returns. Past performance does not guarantee future results. Consult a qualified financial advisor before making investment decisions.
Retirement planning FAQs
35 common questions about retirement corpus, SIP, SWP, FIRE, and mutual fund overlap — answered for Indian investors.