Retirement Corpus Calculator
Estimate your retirement needs and plan your savings confidently.
Retirement Planning Details
Min: 18 Year • Max: 60 Years
Min: 40 Year • Max: 70 Years
Min: ₹0•Max: ₹1,00,00,000
Min: 0% • Max: 20%
Min: 0% • Max: 30%
Default return after retirement is assumed as 8% unless changed in advanced options.
Min: 60 Year • Max: 100 Years
The retirement projections shown below are indicative estimates. Actual results may vary based on inflation changes, investment performance, tax rules, and personal financial circumstances.
Your Retirement Plan
Summary
You need to save a retirement corpus of ₹6,88,77,311 to cover 25 years of expenses at 6% inflation.
Required Retirement Corpus
Future Monthly Expense
Total Years to Invest
Flat Monthly SIP
10% Step-Up SIP
Total Lumpsum Needed Today
About Retirement Corpus Calculator & Frequently Asked Questions
What is the Retirement Corpus Calculator?
The Retirement Corpus Calculator is an essential tool designed to help you plan for a secure, inflation-proof, and self-funded retirement. It calculates the total nest egg you will need on your retirement date to fund living expenses for the rest of your life. It projects your current spending forward against healthcare and cost-of-living inflation, and computes the exact monthly savings required today. To model your accumulation and planned post-retirement cash withdrawals in one unified timeline, check our Combined Investment Planner.
Where and Why is it Helping?
- Eliminates Outliving Capital Risk: Projects your life expectancy and post-retirement yield to ensure your savings comfortably last through your golden years.
- Inflation Modeling: Since living expenses double every 10 to 12 years in India, it adjusts your current monthly burn rate to reflect actual living costs 20 or 30 years from now.
- Tax-Advantaged Compounding: Account for guaranteed government provident fund schemes such as our PPF Calculator when tabulating existing retirement assets.
- Systematic Pension Payouts: Once accumulated, your corpus can generate monthly pension-style cashflows through our SWP Calculator.
How to Use the Calculator
- Provide Personal Milestones: Input your current age, retirement age, and expected life expectancy.
- Enter Expense Details: Provide your current monthly living expenses and the expected annual inflation rate.
- Set Return Rates: Input the annual investment return you expect during your working years (pre-retirement) and your retirement years (post-retirement).
- Add Existing Assets: Enter any retirement savings, provident fund, or investments you already have.
- Analyze the Plan: The calculator shows your inflated monthly expense at retirement, the required corpus, and the monthly SIP or lumpsum needed to reach that corpus.
The Formula & Example
- Inflated Expense: Monthly Expense at Retirement = Current Monthly Expense * (1 + Inflation Rate)^t, where t is the years to retirement.
- Required Corpus: Corpus = Inflated Annual Expense * [(1 - (1 + r_real)^-n) / r_real], where r_real is the inflation-adjusted return rate during retirement: ((1 + return) / (1 + inflation)) - 1, and n is the retirement lifespan in years.
- Monthly Saving: Monthly SIP = (Net Corpus * i) / [((1 + i)^m - 1) * (1 + i)], where i is the pre-retirement monthly return and m is the total months remaining until retirement.
- For example, if you are 30 years old, spend ₹40,000 monthly, and plan to retire at 60 with a life expectancy of 85, a 6% inflation rate means your monthly retirement expense will be ₹2.3 Lakhs. Assuming a post-retirement return of 8%, you will need a corpus of ₹5.1 Crore. To build this corpus from scratch, assuming a 12% pre-retirement return, you will need to save about ₹14,500 monthly through an automated SIP Calculator.
About Retirement Corpus Calculator & Frequently Asked Questions
What is the Retirement Corpus Calculator?
The Retirement Corpus Calculator is an essential tool designed to help you plan for a secure, inflation-proof, and self-funded retirement. It calculates the total nest egg you will need on your retirement date to fund living expenses for the rest of your life. It projects your current spending forward against healthcare and cost-of-living inflation, and computes the exact monthly savings required today. To model your accumulation and planned post-retirement cash withdrawals in one unified timeline, check our Combined Investment Planner.
Where and Why is it Helping?
- Eliminates Outliving Capital Risk: Projects your life expectancy and post-retirement yield to ensure your savings comfortably last through your golden years.
- Inflation Modeling: Since living expenses double every 10 to 12 years in India, it adjusts your current monthly burn rate to reflect actual living costs 20 or 30 years from now.
- Tax-Advantaged Compounding: Account for guaranteed government provident fund schemes such as our PPF Calculator when tabulating existing retirement assets.
- Systematic Pension Payouts: Once accumulated, your corpus can generate monthly pension-style cashflows through our SWP Calculator.
How to Use the Calculator
- Provide Personal Milestones: Input your current age, retirement age, and expected life expectancy.
- Enter Expense Details: Provide your current monthly living expenses and the expected annual inflation rate.
- Set Return Rates: Input the annual investment return you expect during your working years (pre-retirement) and your retirement years (post-retirement).
- Add Existing Assets: Enter any retirement savings, provident fund, or investments you already have.
- Analyze the Plan: The calculator shows your inflated monthly expense at retirement, the required corpus, and the monthly SIP or lumpsum needed to reach that corpus.
The Formula & Example
- Inflated Expense: Monthly Expense at Retirement = Current Monthly Expense * (1 + Inflation Rate)^t, where t is the years to retirement.
- Required Corpus: Corpus = Inflated Annual Expense * [(1 - (1 + r_real)^-n) / r_real], where r_real is the inflation-adjusted return rate during retirement: ((1 + return) / (1 + inflation)) - 1, and n is the retirement lifespan in years.
- Monthly Saving: Monthly SIP = (Net Corpus * i) / [((1 + i)^m - 1) * (1 + i)], where i is the pre-retirement monthly return and m is the total months remaining until retirement.
- For example, if you are 30 years old, spend ₹40,000 monthly, and plan to retire at 60 with a life expectancy of 85, a 6% inflation rate means your monthly retirement expense will be ₹2.3 Lakhs. Assuming a post-retirement return of 8%, you will need a corpus of ₹5.1 Crore. To build this corpus from scratch, assuming a 12% pre-retirement return, you will need to save about ₹14,500 monthly through an automated SIP Calculator.