Retirement Corpus for ₹1,00,000/month Expenses — Calculator
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Quick Answer
To sustain ₹1,00,000/month in retirement (inflation-adjusted at 6%, retiring at 60 from age 35), you need a corpus of ₹12,87,56,122. Build this by investing ₹67,851/month via SIP for 25 years at 12% expected returns.
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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 corpus do I need for ₹1,00,000/month retirement expenses?
Using the 25x annual rule with 6% inflation, ₹1,00,000/month expenses today will need ₹4,29,187/month at retirement age 60. The corpus needed is ₹12,87,56,122 — enough to last 25-30 years at 7% withdrawal rate.
What SIP amount builds ₹12,87,56,122 corpus in 25 years?
A monthly SIP of ₹67,851 at 12% expected annual returns for 25 years builds a corpus of ₹12,87,56,122. Total investment: ₹2,03,55,250. The power of compounding delivers the rest.