Financial Planning
How much corpus do you really need for retirement?
Jigajinni Financial Services20 Sept 2026 · 6 min read
A simple way to estimate your retirement number, accounting for inflation and longevity.
Most people underestimate how much they need for retirement because they think in today's rupees. Here is a simple framework.
1. Start with your expenses
Estimate your current monthly household expenses, excluding EMIs and costs that will end before retirement.
2. Adjust for inflation
At 6% inflation, expenses double roughly every 12 years. ₹50,000 a month today becomes about ₹2.9 lakh a month in 30 years.
3. Plan for a long retirement
Plan for at least 25 to 30 years after retirement. A common rule of thumb is a corpus of 25 to 30 times your annual expenses at retirement.
4. Close the gap
Subtract what your current investments will grow to, and invest the difference through SIPs, ideally with an annual step-up.
Use our Retirement Calculator to get your number, then talk to us to build the plan.
This article is for general information only and is not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
