Retirement Calculator India 2026 — How Much Corpus Do You Need?

How Much Do You Need to Retire in India?

The most common retirement planning rule is the 25x Rule: your retirement corpus should be 25 times your annual expenses at retirement (adjusted for inflation). This assumes a 4% safe withdrawal rate — meaning you draw 4% of your corpus per year without running out of money.

India-Specific Retirement Considerations

Inflation: India's long-term CPI averages 5–7%. Your expenses double every 12–14 years at 6% inflation
Healthcare costs: Medical inflation in India runs at 10–14%. Factor in health insurance + a ₹20–50L medical emergency buffer
EPF and NPS: Include your EPF corpus and NPS tier 1 as part of your retirement savings — our EPF calculator can help
Post-retirement income: Rental income, senior citizen FD rates (0.5% higher), SCSS (Senior Citizen Savings Scheme), and Pradhan Mantri Vaya Vandana Yojana can supplement corpus withdrawals

What is the 4% withdrawal rule and does it work for India?

The 4% rule (from US research) suggests withdrawing 4% of your corpus annually, adjusted for inflation, should sustain your portfolio for 30 years. For India, with higher inflation (5–7%) and higher equity returns (12–15%), a 4% withdrawal rate is considered conservative and generally applicable. However, build in a buffer for healthcare and longevity risk.

Should I count my house as part of my retirement corpus?

If you own a home you will live in after retirement, it reduces housing costs but does not generate income. If you plan to downsize or rent it out, factor in rental income as part of your retirement cash flow. Do not count your primary residence as investable corpus unless you plan to sell or reverse-mortgage it.

Retirement Corpus Calculator India

How Much Do You Need to Retire in India?

India-Specific Retirement Considerations

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