AnuShrey Finserv
AMFI-registered mutual fund distributor · ARN-104126 · EUIN E134027
How much do I need to stop working?
Prepared 30 September 2026
Retirement corpus
How much do I need to stop working?
Size the corpus against your real monthly expenses, inflated to your retirement year and drawn down across your lifespan.
Corpus needed at 60
₹7,39,09,690
Longevity is the risk people underestimate. Plan to 90 if there is any family history of it.
Household running costs only. Exclude EMIs that end before you retire, and children's fees.
EPF, PPF, NPS and any earmarked mutual funds.
Withdrawals in retirement are assumed to rise at this same rate, or your income falls behind prices.
Lower, because the portfolio shifts to debt once withdrawals begin.
- Monthly spend at 60
- ₹3.18 L
- What you hold grows to
- ₹2.86 Cr
- Monthly SIP to close it
- ₹22,445
- Left at 85
- ₹0
₹70,000 a month today costs ₹3.18 L a month by the time you retire. That single fact is why a corpus sized on today’s expenses always falls short. On these assumptions the corpus is fully drawn down by the end of the plan — there is nothing left over.
What this assumes
- Expenses
- Grow with inflation every year
- Withdrawals
- Annual, from the start of each year
- Corpus after retirement
- Keeps earning the post-retirement return
- Corpus at the end
- Fully drawn down to zero
What it does not account for
- Any pension, annuity, rental income or EPS payout you may receive. Subtract those from your monthly expense figure first.
- One-off costs in retirement — a child's wedding, a house repair, a medical event not covered by insurance.
- Healthcare inflation, which runs well above general inflation in India. Consider setting inflation a point higher than you would otherwise.
- Leaving anything behind. This assumes the last rupee is spent in your final year.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.
This is an illustration of compound growth under the assumptions shown, not a projection, a forecast or a guarantee of any scheme’s performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
AnuShrey Finserv is an AMFI-registered mutual fund distributor (ARN-104126), not a SEBI-registered investment adviser. It earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered under a separate registration from the mutual fund distribution business.
+91 99702 37015 · gmdutonde1@gmail.com · anushrey-finserv.vercel.app
A number is not a plan.
The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.