How much to retire on ₹80,000 a month?

Spending ₹80,000 a month is ₹9,60,000 a year. By the 4% rule (save 25× your yearly spend), you'd need a retirement corpus of about ₹2,40,00,000. Withdraw ~4% a year and it should keep funding your life.

In 15 yrs

₹47,500

/month SIP

In 20 yrs

₹24,000

/month SIP

In 25 yrs

₹12,500

/month SIP

How much will you invest each month?

₹

Typical retail SIP: ₹500 – ₹50,000

What return do you expect?

Equity MF historically ~10–14%, debt ~6–8%, FD ~6–7%

For how many years?

Longer horizons compound harder — even 5 extra years matter

Estimated value after 20 years

🎉 Past ₹1 crore

₹2,39,79,550

Invested

₹57,60,000

Estimated returns

₹1,82,19,550

Growth over time

ValueInvested

The 4% rule is a quick, widely-used estimate — it doesn't fully model inflation through a long retirement or your specific age. For a detailed, inflation-adjusted number, open the full retirement calculator below.

Open the full retirement calculator Build the corpus faster with a step-up SIP

Educational estimate, not financial advice. The 4% rule is a simplified heuristic; real retirement planning depends on inflation, returns, taxes and your own circumstances.