Retirement example
Retirement corpus for ₹1,00,000 a month at 30
If you are 30, spend ₹1,00,000 a month today and want to retire at 60, you need about ₹9.62 crore by then. Investing about ₹27,245 a month from now, at 12% a year, gets you there.
Result
₹9.62 Cr
Corpus needed at 60
- Monthly expenses at 60 (6% inflation)
- ₹5.74 L
- Monthly investment needed
- ₹27,245
- Total you invest
- ₹98.08 L
- Returns that do the rest
- ₹8.64 Cr
Starting at 35 instead raises the monthly investment to ₹37,872.
This assumes no savings yet and no pension. Money already invested, EPF or a pension all lower the monthly figure.
₹1,00,000 a month today, by retirement age
| Retire at | Corpus needed | Monthly investment |
|---|---|---|
| 50 | ₹6.14 Cr | ₹61,434 |
| 55 | ₹7.77 Cr | ₹40,950 |
| 60 | ₹9.62 Cr | ₹27,245 |
Starting from age 30, with the plan running to age 85.
By expected return
| Annual return | Corpus needed | Monthly investment |
|---|---|---|
| 8% | ₹13.89 Cr | ₹92,607 |
| 10% | ₹11.45 Cr | ₹50,215 |
| 12% | ₹9.62 Cr | ₹27,245 |
The same return is assumed before and after retiring. A more cautious mix after retirement means a larger corpus.
How this is worked out
First, today's ₹1,00,000 is grown at 6% inflation for the 30 years until you retire, which makes it about ₹5,74,349 a month by 60. That is the lifestyle the corpus has to pay for.
Next, the corpus has to fund 25 years of those expenses, to age 85, with them rising every year. Because the corpus stays invested, what matters is the gap between its return (12%) and inflation (6%). Discounting the rising withdrawals at that real rate gives the ₹9.62 crore needed on day one of retirement.
Finally, the monthly investment is the SIP that grows to that corpus over 30 years at 12%. Every year of delay raises it sharply, because the money has less time to compound, which is why the same goal costs far more at 40 than at 25.
Frequently asked questions
Results are estimates for education and planning, not financial advice.
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