Retirement Corpus Needed if You Are 45 Years Old
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Quick Answer
Starting at age 45 with a target retirement at 60 and monthly expenses of ₹50,000 (inflation-adjusted at 6%), you need a retirement corpus of ₹3,59,48,373. To build this via SIP at 12% returns, you need to invest ₹71,245/month for 15 years.
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₹8,61,52,368
Monthly Expense at Retirement
₹2,87,175
Years to Build Corpus
30 yrs
Corpus is estimated as future annual expenses × years of retirement (simplified). Assumes post-retirement returns equal inflation. Use the Goal SIP calculator to find your required monthly investment.
Frequently Asked Questions
How much retirement corpus do I need at age 45?
With 15 years to retirement (retiring at 60) and monthly expenses of ₹50,000 today (6% inflation), your inflation-adjusted retirement corpus is ₹3,59,48,373. This assumes a 25x annual expense rule for a 25-30 year retirement.
How much should I save monthly for retirement starting at 45?
To accumulate ₹3,59,48,373 in 15 years at 12% returns, you need a monthly SIP of ₹71,245. Start early — waiting just 5 more years would require ₹1,15,619/month instead.