Selvayana: Retirement corpus for ₹30,000 a month in expenses, starting at 40Educational estimate, not investment advice. Selvayana is not registered with SEBI as an Investment Adviser or Research Analyst. Figures use the assumptions shown and are not predictions.
Retirement corpus for ₹30,000 a month in expenses, starting at 40
You'd need about ₹2.58 Cr by 60. Starting from zero, a SIP of ₹22,570 a month, rising 5% a year, would get there if your money earned an assumed 11% a year.
Retire at 55₹39,561/mo
Retire at 58₹28,110/mo
Retire at 62₹18,170/mo
At 6% inflation, ₹30,000 of monthly expenses today becomes about ₹96,214 a month by the time you turn 60. Your corpus has to cover that, rising every year, until 85, at an assumed 7% after retirement. Returns are not guaranteed and can be much lower. Your EPF, PPF and NPS balances all count towards it, so enter them in the calculator below to see a lower SIP.
Detailed breakdown
Last reviewed October 2026 · How we calculate · About Selvayana
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