How much should I invest monthly (SIP) to retire comfortably in India?

It depends on your age, retirement age, monthly expenses, inflation, existing investments and expected EPF/NPS benefits. DhanONE's free Retirement Calculator computes your inflation-adjusted corpus and the exact additional monthly SIP required to reach it.

How much money do I need to retire in India?

As a worked example: monthly expenses of ₹50,000 today at 6% inflation become roughly ₹2.1 lakh per month in 25 years, requiring a corpus of about ₹5 crore to sustain a 25-year retirement. Your number depends on your inputs — the calculator shows it instantly.

What is the 3-bucket retirement withdrawal strategy?

Your corpus is split into three buckets: Bucket 1 holds 3 years of expenses in liquid/arbitrage funds for immediate needs; Bucket 2 in conservative hybrid/debt funds your regular withdrawals; Bucket 3 (about 20%) stays in equity and compounds untouched, refilling the plan for later years.

Free Retirement Planner

Your retirement has a number.
Find yours.

Most people guess. This planner calculates — your inflation-adjusted retirement corpus, the exact monthly SIP needed to get there, and a three-bucket strategy to make your money last till the very end.

Your Details

Current Age

35 years

Retirement Age

60 years

Plan Money Till Age

85 years

Monthly Expenses Today (excl. EMI)

₹50,000

Inflation Rate

6% p.a.

Existing Investments for Retirement

₹15,00,000

EPF / NPS / Gratuity Expected at Retirement

₹50,00,000

Expected Return Till Retirement

11% p.a.

Expected Return After Retirement

8% p.a.

Legacy You Want to Leave Behind

₹0

Your retirement plan is ready

Unlock your corpus target, the exact monthly SIP you need, and your personalised 3-bucket withdrawal strategy.

Takes 10 seconds · No spam, ever · DhanONE ARN-225017

Additional Monthly SIP Required

₹ —

Invested every month from today till retirement

Corpus Required at Retirement

₹ —

To sustain your lifestyle, adjusted for inflation, till your planned age

Monthly Expenses at Retirement

₹ —

What today's expenses become by the time you retire

What You're Already On Track For

₹ —

Future value of existing investments + EPF/NPS/Gratuity

Your 3-Bucket Withdrawal Strategy

Bucket 1 — Liquidity3 years of expenses in arbitrage / liquid funds

₹ —

Bucket 2 — StabilityConservative hybrid / debt — funds your regular withdrawals

₹ —

Bucket 3 — Growth20% stays in equity, compounding untouched

₹ —

* This planner provides estimates based on the inputs provided. Actual returns may vary and are not guaranteed. Mutual fund investments are subject to market risks; read all scheme related documents carefully. All figures are indicative and this is not investment advice. Please consult a qualified financial professional before making investment decisions. DhanONE (ARN-225017) is an AMFI Registered Mutual Fund Distributor.

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Your retirement has a number.Find yours.

Your Details

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Your 3-Bucket Withdrawal Strategy

Unlock your results

Your retirement has a number.
Find yours.