Retirement planning · 25× rule
Retire on your own terms
Your retirement corpus should be about 25 times your annual expenses. We project your expenses with inflation and show what to invest for a 10, 20, 30 or 40-year runway.
yrs
₹
Yearly expenses: ₹6,00,000
%
×
%
Growth of the retirement corpus requirement each year
%
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Current annual expenses
₹6,00,000
Required corpus today (25×)
₹1,50,00,000
Retire in
Retirement target · 2036 · age 45
₹2,53,74,149
Future expenses then: ₹89,542 / month · ₹10,74,509 / year
Monthly SIP
₹1,20,494
Yearly SIP
₹14,45,925
Or lump sum today
₹81,69,797
Monthly SIP needed by horizon
| Horizon | Target corpus | Yearly SIP | Monthly SIP |
|---|---|---|---|
| 10 yrs · age 45 | ₹2,53,74,149 | ₹14,45,925 | ₹1,20,494 |
| 20 yrs · age 55 | ₹4,15,80,276 | ₹5,77,084 | ₹48,090 |
| 30 yrs · age 65 | ₹6,44,49,608 | ₹2,67,057 | ₹22,255 |
| 40 yrs · age 75 | ₹8,94,44,830 | ₹1,16,603 | ₹9,717 |
How this works
- Year 0 corpus = Annual expenses × corpus multiple (25× rule).
- Each year, monthly expenses grow with inflation. The corpus requirement grows at the corpus growth rate, less the following year's annual expenses.
- Yearly SIP = Excel PMT(return, years, 0, −target corpus); Monthly SIP = Yearly SIP ÷ 12; Lump sum = Excel PV(return, years, 0, −target corpus).