Why multiply expenses by 25?

It is a simple “4% rule” style heuristic for how much to accumulate. Your needs may differ — adjust assumptions.

Does this include EPF or NPS?

Enter current savings as a lump sum. Dedicated retirement accounts can be added to that figure.

Calculator

Retirement Calculator

Rough plan: inflate today’s expense to retirement, apply 25× rule for corpus target, deduct FV of current savings, solve monthly SIP to close the gap (monthly compounded).

Adjust values — results update instantly

Illustrative corpus target

₹10,41,91,277.15

Monthly SIP to close gap

₹52,920.81

The 25× rule multiplies projected annual expense at retirement (after inflating monthly spends). Safe-withdraw rules vary—this stays intentionally simple.