How much money do you need to retire in India?

You're 35, you spend ₹60,000 a month, and you'd like to stop working at 60. On those numbers you need about ₹6.5 Cr saved by your 60th birthday.

That figure looks huge, but it follows from three facts: prices keep rising, retirement can last 25 years or more, and your money keeps earning while you spend it. Here's how the number is built, and how to work out yours.

Step 1: what will you spend when you retire?

Start with what you spend today, not what you earn. Leave out costs that end by retirement: the home loan, the children's school fees, your SIPs. Add any that grow, like health care.

Then grow it with inflation. India's retail inflation was 4.38% in June 2026,^[1] but it has averaged more over long periods, so planners usually assume about 6%. At that rate prices double every 12 years: ₹60,000 a month today becomes ₹2,57,512 a month at 60.

Step 2: how long must the money last?

Plan for longer than feels likely. Retiring at 60 and planning to 85 gives 25 years of withdrawals, each one bigger than the last as prices rise.

Your savings don't stop working when you retire. Kept in a mix of debt and some equity, they might earn about 7% a year. The corpus you need is the amount that pays your rising spending every month and reaches zero at 85: ₹6.5 Cr.

Two things push the number up fast:

• Living longer. Planning to 90 instead of 85 raises the need to ₹7.6 Cr.
• Higher inflation. At 7% instead of 6%, it's ₹9.2 Cr.

Step 3: are you on track?

Now compare the need with what you're on course to have. Our example has ₹10 L saved and invests ₹15,000 a month, raising it 5% each year, at 11% a year.

There are three ways to close a gap like this: invest ₹6,361 a month more, retire at 63, or plan to spend less. The retirement calculator works out all three for your numbers.

Why starting early matters most

The same ₹6.5 Cr gets cheaper the more years it has to compound. Here is the monthly SIP, rising 5% a year, that builds it from nothing, retiring at 60:

A SIP left for decades grows most in its final years. Why the last five years of a SIP matter most shows why.

What counts towards your corpus

• EPF, PPF and NPS balances count, and so do their monthly contributions. NPS pays part of its corpus as a pension, which works like income in retirement.^[2]
• Rent from a second home is income, so it reduces how much you need to save.
• Your own home doesn't count unless you plan to sell it or rent it out.

Once you have a corpus, is ₹1 crore enough to retire? shows how long a given amount lasts at different withdrawals.

What this doesn't mean

• These aren't predictions. Returns and inflation vary from year to year; the calculator uses steady averages.
• Health care can cost more. Medical inflation in India runs ahead of general inflation, so keep health insurance going in retirement.
• Revisit it every few years. Your spending, savings and the rules change. Small adjustments early cost far less than large ones later.

6% inflation; 11% return while working and 7% once retired; savings drawn monthly and raised each year with prices. Tax on withdrawals not modelled. For illustration only, not investment advice.