Finance · Retirement

How much you need to stop working.

Current age, retirement age, current monthly expenses. See the inflation-adjusted corpus + the monthly SIP that gets you there.

Inputs

Current age

Retirement age

Current monthly expense (USD)

Pre-retirement return % Equity-heavy. Nifty 50 long-run.

Inflation % RBI FY26-27 ~4.6%. US ~2.5%.

Advanced

Post-retirement return %

Years in retirement

Corpus needed at retirement

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Monthly SIP to get there

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Future monthly expense (inflation-adjusted)

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Assumes you can hit pre-return % every year — equities rarely do that smoothly. Treat as median-case.
No medical inflation surcharge — typically runs 2-3% above general inflation in India/US.
No Social Security / EPF / pension income subtracted. Add those manually to reduce corpus need.

How this is calculated

future_monthly = current_monthly × (1 + inflation)^(retire_age − current_age)
real_return = (1 + post_return) / (1 + inflation) − 1
corpus = future_monthly × 12 × [1 − (1 + real_return)^−retire_years] / real_return
monthly_sip = corpus × (pre_return/12) / [(1 + pre_return/12)^(months) − 1]