75% of working Indians have no retirement plan. This guide fixes that.
How Much Do You Need?
Annual Expenses × 30-35 (adjusted for India's higher inflation). Monthly expenses ₹50K today, retirement in 25 years at 7% inflation → ₹32.6L/year → Corpus needed: ₹9.8 Cr. Use our [Retirement Calculator](/calculators/retirement-calculator).
Monthly SIP Needed for ₹5 Cr at 60
Starting at 25: ₹8,500/month (10% step-up). At 30: ₹15,000. At 35: ₹27,000. At 40: ₹52,000. Every year of delay costs dearly.
Investment Timeline
25-35: 70-80% equity, start SIP, get insurance. 35-45: Increase SIPs, add NPS, 60-70% equity. 45-55: Shift to 50-60% equity, build debt allocation. 55-60: 40-50% equity, build cash buffer, plan SWP withdrawals.
Healthcare in Retirement
Medical inflation: 14-15% annually. ₹5L hospitalization today = ₹50L in 25 years. Get ₹50L-₹1Cr health insurance while working. Build ₹20-30L medical corpus. Use [SWP Calculator](/calculators/swp-calculator) for post-retirement income planning.