Retirement Corpus: How to Sense-Check Your Number in India
Inflation, medical costs, rent-vs-owned home, and SWP sequencing—a framework before you trust a single crore headline.
My SIP Planner Editorial
Financial Research Analyst
Most retirement numbers fail because they ignore inflation on the expense side while using optimistic returns on the asset side. A honest plan aligns both.
Build expenses in today’s rupees, then inflate
- Housing: owned vs rented changes everything.
- Healthcare: allocate a rising bucket, not a flat ₹5,000 forever line.
- Discretionary: often shrinks with age—but not always.
Stress-test with SWP
Use our SWP calculator at conservative returns to see depletion risk. If the corpus hits zero in simulation, your withdrawal rate or asset mix must change.
Regulators remind you
SEBI’s investor messaging emphasises reading scheme documents and understanding risks—apply the same rigour to retirement assumptions.
Sources & references
Primary portals for verification (last reviewed with article update: 20 April 2026).
Disclaimer
This article is for general education. It does not recommend specific mutual funds or securities. Past performance does not guarantee future results. Consult a qualified professional before investing.
Try the free calculators
Model SIP, lump sum, SWP, loan EMI, and one-time mutual fund growth scenarios in your browser—assumptions you control, illustrative outputs only.
