Retirement SIP Calculator — How Much Do You Need to Retire Comfortably?

The 4% rule (withdraw 4% of your corpus per year, adjusted for inflation) was designed for US markets. For India, where inflation is higher, most planners recommend a 3–3.5% withdrawal rate to ensure the corpus lasts 30+ years.

At 3.5%: • Corpus needed = Annual expenses ÷ 0.035 • Example: ₹40 lakh/year expenses → ₹11.43 crore corpus

At 4%: • Corpus needed = Annual expenses ÷ 0.04 • Example: ₹40 lakh/year expenses → ₹10 crore corpus

The difference is significant — building a 3.5% rule corpus gives you a larger safety margin against sequence-of-returns risk.

These benchmarks assume retirement at 60, 6% inflation, and a 12% equity SIP return. They represent invested assets (EPF + SIP + other investments), not just savings accounts. Think of them as checkpoints — if you're behind, increase your SIP rate; if ahead, you're on track for an earlier retirement.

Most salaried Indian employees have EPF running in parallel with their SIP investments. Including EPF is critical for accurate retirement planning:

EPF typically contributes: • Employee: 12% of basic salary • Employer: 3.67% to EPF + 8.33% to EPS • Return: ~8.25% p.a. (FY2024 rate, tax-free)

Our multi-asset simulator lets you add EPF as a separate asset alongside your equity SIP, giving you a complete retirement picture — SIP + EPF + FD combined, inflation-adjusted to today's rupees.