Retirement Calculator — Is ₹1 Crore Enough to Retire?
At ₹50,000/month current expenses with 6% inflation, you'll need ₹2.87L/month at age 60 (if you're 30 now). ₹1 crore at 4% withdrawal rate gives only ₹33,333/month — far short. You likely need ₹5-7 crore.
Corpus Needed
₹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.
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Common questions about Retirement Calculator — Is ₹1 Crore Enough to Retire?
Why is ₹1 crore not enough for retirement?
Inflation erodes purchasing power. At 6% inflation, ₹50,000/month today becomes ₹2.87 lakh/month in 30 years. ₹1 crore would last only 3-4 years at that expense level. For a 25-year retirement, you need ₹5-7 crore minimum.
How much corpus do I need to retire?
A common rule: 25-30x your annual expenses at retirement. If your annual expenses at retirement are ₹35 lakh, you need ₹8.75 crore to ₹10.5 crore. This assumes 4% annual withdrawal and moderate post-retirement returns.