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How much retirement corpus do I need?

Tell us the monthly income you want and when it should start. We work backwards — inflating your spending every single year, medical costs faster than the rest — to the smallest corpus that actually funds it. No 25× rules of thumb, no signup, nothing stored.

Your target income

Your corpus

₹1 Cr
₹50k
Withdrawal strategy

Simple applies one flat rate (8%) to your whole corpus. 3-bucket uses real asset-class returns — safe money for near-term spending, equity (10%) for the long bucket, sold only after it has gained. Both end up assuming roughly the same equity exposure, so this is a like-for-like comparison. Buckets come out modestly ahead on average — and considerably ahead if markets fall early.

The verdict
Runs out at age 77
₹1 Cr can't sustain ₹50,000/month (in 2026 money) growing with inflation until 90. Lower the spend, or see the safe number →
The corpus runs out at age 77.

Withdrawals grow every year — general spending at 6%, the medical 15% at 10% — while the remaining corpus earns 8%. Never a flat number.

Simple vs 3-bucket, on your numbers

Same corpus, same spending, same horizon — the only thing that changes is how the money is held and which pot you sell from.

In average markets
Simple
runs out at 77
3-bucket
runs out at 78
If markets fall 10%/yr for the first 3 years
Simple
runs out at 70
3-bucket
runs out at 74
Simple, through the crash3-bucket, through the same crash
Through a 3-year market fall starting at retirement, the simple strategy runs out at 70 and the 3-bucket strategy runs out at 74.

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How the corpus calculator works

  1. Say what you want to spend per month, in today's money, and the age the income should start.
  2. We grow that spending forward — general costs at 6%/yr, the medical slice at 10% — right through to the age you plan to.
  3. We search for the smallest corpus that survives every one of those years, simulating the drawdown rather than applying a multiple.
  4. You get two numbers — the corpus needed when withdrawals begin, and what you'd need invested today to reach it — plus the monthly SIP that closes any shortfall.

Already have a corpus and want the other direction? See how long it lasts or plan the saving.

Frequently asked questions

How much corpus do I need to retire in India?▾

There is no single number — it depends on what you spend, when you stop, and how long you plan for. The honest way to get it is to work backwards from your spending: take the monthly income you want in today's money, grow it with inflation every year to the age your plan ends, and find the smallest pot that funds all of it.

That's what this calculator does, year by year, rather than applying a rule of thumb like 25× or 30× annual expenses. Those multiples come from US studies at US inflation rates; at India's ~6% general and ~10% medical inflation they tend to understate what you need.

Is ₹1 crore enough to retire in India?▾
Usually not on its own, and the calculator will show you why in seconds. ₹1 crore supporting ₹50,000/month from age 60 — with that ₹50,000 rising with inflation every year, as it must — runs out in the late seventies rather than lasting to 90. Enter your own numbers above; the answer depends far more on your spending and your horizon than on the corpus sounding like a big round number.
How much corpus do I need for ₹1 lakh per month?▾
Set monthly spending to ₹1,00,000, choose the age withdrawals start, and read the answer. Two numbers come back: the corpus you need on the day withdrawals begin, and — if that day is years away — the smaller amount you'd need invested today to grow into it. If you already have something saved, enter it and the calculator shows the shortfall plus the monthly SIP that closes it.
Does this account for inflation and medical costs?▾
Yes, and separately. General spending grows at 6% a year by default while the medical share of your expenses (15% by default) grows at 10%, because healthcare inflation in India runs well ahead of everything else. Every one of those assumptions is editable in the Assumptions panel, and the corpus updates instantly.
Why is the corpus I need today smaller than the corpus at retirement?▾
Because money you already hold keeps growing until withdrawals start. If you're 45 and plan to draw from 60, the amount you need on day one of retirement is a future figure; the amount you need invested today to reach it is smaller, by 15 years of compounding at the pre-withdrawal growth rate. Both are shown. Note this is different from the "today's money" figures elsewhere in the app, which convert for purchasing power rather than growth.
Does the 3-bucket strategy change the corpus I need?▾
Slightly, yes — it lowers it. Switch the strategy toggle and the target moves, because the bucket ladder keeps the long-horizon portion of your money in equity and spends the safe money first. See the bucket strategy explainer for how it works and what it costs you.