Planning Intelligence

Retirement Planner — Know Your Number

Calculate the exact retirement corpus you need and the monthly SIP required to get there, based on your current expenses and India-specific assumptions.

Plan My Retirement
Corpus calculation adjusted for inflation over your working years
Shows monthly SIP required today to hit your retirement goal
Uses India-specific life expectancy and inflation assumptions
Models post-retirement withdrawal to check corpus sustainability

How it's calculated

1
Enter your current age and expenses
Input your current age, planned retirement age, and current monthly essential expenses.
2
We project future expenses
Your expenses are inflated forward to your retirement year using a standard inflation assumption.
3
Calculate the required corpus
Based on post-retirement life expectancy and expected withdrawal rate, we compute the total corpus needed at retirement.
4
Get your monthly SIP target
We reverse-calculate the monthly SIP needed today, at an assumed rate of return, to reach that corpus.

Benchmarks we use

6%
Assumed long-term inflation
Used to project your current expenses forward to retirement age.
25-30x
Corpus-to-annual-expense multiple
Common retirement planning rule of thumb for a corpus that can sustain withdrawals through retirement.
85 yrs
Planning life expectancy assumption
Conservative assumption used to ensure your corpus lasts through a long retirement.

Frequently Asked Questions

How much do I need to retire in India?
It depends heavily on your current lifestyle and city. As a rule of thumb, aim for 25-30 times your annual expenses at retirement, adjusted for inflation between now and then.
Does this include EPF and NPS in the corpus calculation?
The base calculator shows your total required corpus. Fiiuno's full platform lets you input existing EPF, NPS, and other retirement savings to show the remaining gap.
What return rate should I assume for retirement SIPs?
A common conservative assumption is 10-12% pre-retirement (equity-heavy) and 6-7% post-retirement (debt-heavy), reflecting a typical glide path.
Is this a guarantee of retirement readiness?
No. This is a planning estimate based on assumptions that may not hold. Actual returns, inflation, and expenses will vary — review your plan periodically.

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