Retire at 40 Calculator
Planning to retire at 40? See the corpus you need and the monthly SIP to get there.
Retiring at 40 means funding potentially forty-five years or more of living expenses with no salary — so the corpus required is far larger than for a conventional retirement at 60, and the years left to build it are far fewer. That double squeeze makes a high savings rate and an early start non-negotiable, and it pays to model a conservative return so an early run of bad markets doesn’t derail the plan.
How the retire-at-40 calculation works
The calculator above takes your current age, today’s monthly expenses, expected inflation and investment return, and your life expectancy. It inflates your expenses forward to age 40, sizes the corpus needed to fund every year of retirement after that, then works out the monthly SIP required to build that corpus in the years you have left. Retiring at 40 compresses the saving years and lengthens the spending years, so both the target corpus and the monthly SIP rise sharply the earlier you set the age.
What moves your retire-at-40 number
- Years left to invest. The fewer years until 40, the larger the monthly SIP must be to reach the same corpus.
- Inflation. Today’s expenses balloon by the time you reach 40 — a small change in the assumed rate moves the target corpus a lot.
- Length of retirement. A 40-year retirement age paired with a long life expectancy means funding many no-salary years, which is the single biggest driver of the corpus.
- Return assumption. Use a realistic, slightly conservative figure — an early run of poor returns hurts early retirees most.
Related planning
Compare a fully financial-independence-focused target with our FIRE Calculator, or model the SIP itself with the SIP Calculator.