Retirement
Link copied!
Retirement Corpus Calculator
Find out how large a corpus you need to retire comfortably. Adjust any input below and your results update instantly.
Understanding your retirement corpus
The concept, the motivation, and what to watch out for.
How much do you actually need to retire?
Your retirement corpus needs to sustain your expenses — growing with inflation — for however many years you expect to live in retirement, not forever. That's a meaningfully smaller (and more precise) number than a perpetual "never touch the principal" style rule.
This calculator sizes a corpus that's designed to fully cover a fixed number of retirement years, then compares that target against what your current savings and monthly investment are actually projected to reach by your retirement age.
A finite retirement needs a finite corpus
Sizing your corpus to last exactly as long as you expect to need it — not forever — usually means a smaller, more achievable target.
Your risk profile should change at retirement
Most people shift toward safer, lower-return investments once they stop earning a salary — this calculator models pre- and post-retirement returns separately.
How this calculator helps
Enter your age, expenses, savings, and return assumptions — see the corpus you need, what you're on track for, and the SIP required to close any gap.
Calculate your retirement corpus
Fill in the starred fields on the left — your results update instantly on the right.
Your details
e.g. 30 years old
e.g. 60 years old
e.g. 85 years old
e.g. ₹50,000 a month today
≈ ₹10.00 L
e.g. ₹10,00,000 saved so far
e.g. ₹15,000 a month
e.g. 12% for an equity-heavy portfolio
e.g. 7% for a debt-heavy portfolio
e.g. 6% inflation
How these compare
vs. typical India long-term ranges
Pre-retirement return: 12%
India long-term equity avg: 10–13%
Inflation rate: 6%
Typical India inflation: 5–7%
These are example numbers. Edit any input on the left to see your own.
You'll need a retirement corpus of
₹7.68 Cr
by age 60
Projected corpus
₹8.24 Cr
Surplus
₹56.27 L
You’re on track — your plan is projected to exceed your required corpus by ₹56.27 L.
Portfolio value: accumulation and retirement
Portfolio valueRequired corpus
Year-by-year projection
Shows your portfolio value against your required corpus, through accumulation and retirement.
AgePortfolio valueRequired corpusStatus
30₹10.00 L₹7.68 Cr
Building
1% of required corpus
38₹48.75 L₹7.68 Cr
Building
6% of required corpus
46₹1.48 Cr₹7.68 Cr
Building
19% of required corpus
54₹4.00 Cr₹7.68 Cr
Building
52% of required corpus
62₹8.71 Cr₹7.68 Cr
Retired
114% of required corpus
70₹10.22 Cr₹7.68 Cr
Retired
133% of required corpus
78₹9.88 Cr₹7.68 Cr
Retired
129% of required corpus
85₹5.66 Cr₹7.68 Cr
Retired
74% of required corpus
Compare scenarios
See how retiring later or a higher return would move your corpus gap.
Your plan
Retire at 60 · 12%
-₹56.27 L
Corpus gap (required − projected)
Baseline
Retire at 62
62 years old
-₹2.45 Cr
Corpus gap (required − projected)
-₹1.89 Cr
Return 13%
13% pre-retirement
-₹2.80 Cr
Corpus gap (required − projected)
-₹2.23 Cr
Worked example, using your numbers
A step-by-step walkthrough of how your expenses become your required corpus.
Step 1 · Expenses at retirement
Adjusted for 30 years of inflation, your ₹50,000/month today becomes
₹2.87 L
Step 2 · Required corpus
To sustain that for 25 years in retirement, you’ll need
₹7.68 Cr
Step 3 · Projected corpus
Your current savings and SIP are projected to reach
₹8.24 Cr
✓
You’re on track for retirement — a projected surplus of ₹56.27 L over your ₹7.68 Cr required corpus.
Personalised insights
What your numbers reveal, and what changing them would do.
You'll need a retirement corpus of ₹7.68 Cr by age 60
That's enough to cover ₹2.87 L/month in expenses — inflated from today — over 25 years in retirement.
You're on track — projected to exceed your required corpus by ₹56.27 L
Your current savings and ₹15,000/month investment are projected to reach ₹8.24 Cr by retirement.
Retiring at 62 instead would change your gap to -₹2.45 Cr
More years to accumulate and fewer years to draw down both work in your favour — retiring later almost always helps twice over.
A 13% pre-retirement return would change your gap to -₹2.80 Cr
Even without saving more, a higher return on your existing plan meaningfully shifts your projected corpus.
How this is calculated
Every step of the math behind your result, shown in the open.
Your expenses at retirement
E_0 = current monthly expense, i = inflation rate, t = years to retirement, E_r = monthly expense at retirement
Your current monthly expense (E_0) is inflated forward by the number of years until retirement (t) — prices, and your spending, keep rising until then.
Example: ₹50,000 growing at 6%/year for 30 years → ₹2.87 L/month at retirement
Your required corpus
E_r = monthly expense at retirement, r_real = real monthly return in retirement, n = months in retirement, C = required corpus
Since withdrawals grow with inflation while the corpus earns a post-retirement return, this is a fixed-horizon annuity in real terms — sized to last exactly your expected retirement years, not forever.
Example: ₹2.87 L/month over 25 years in retirement → ₹7.68 Cr required
Your projected corpus at retirement
S = current savings, g = pre-retirement return, SIP = monthly investment, g_m = monthly pre-retirement return, m = months to retirement, P = projected corpus
Your current savings (S) compound on their own, while your monthly SIP builds up separately — together they project what you'll actually have by retirement.
Example: ₹10.00 L + ₹15,000/mo for 30 years → ₹8.24 Cr projected
Assumptions
- Pre- and post-retirement returns, and inflation, stay constant across the entire horizon.
- Expenses grow with inflation every year, both before and during retirement.
- Taxes on withdrawals or investment gains aren't included.
- Figures are indicative and pre-tax — not financial advice.
Did you know?
A few facts behind retirement corpus planning.
Finite
You don't need your corpus to last forever
Sizing a corpus for your actual expected retirement years, rather than a perpetual withdrawal rule, usually means a smaller and more achievable target.
Shift
Asset allocation usually shifts at retirement
Moving toward safer, lower-return investments after retiring is common practice — protecting the corpus you're now relying on for income.
-2y
Retiring a little later helps twice over
Retiring even a couple of years later means more time to accumulate and fewer years to draw down — both push in your favour at once.
Health
Healthcare costs often outpace general inflation
Medical expenses have historically grown faster than headline inflation in India — worth budgeting for separately as you plan your retirement expenses.
Frequently asked questions
Straight answers to the questions we hear most about retirement corpus planning.
How is my required retirement corpus calculated?
It's sized as a fixed-horizon annuity: your expenses at retirement (inflated forward from today), growing with inflation every year, drawn down over your expected retirement years while the remaining corpus keeps earning a post-retirement return.
Why do pre- and post-retirement returns differ?
Most people invest more aggressively (equity-heavy) while working, then shift toward safer, lower-return investments (debt-heavy) after retiring to protect their corpus from market swings when they're relying on it for income.
What if I'm projected to fall short of my required corpus?
This calculator shows the required monthly SIP that would close the gap exactly, assuming everything else about your plan stays the same — increasing your investment amount is usually the most direct lever.
Does this account for taxes on withdrawals?
No, figures here are indicative and pre-tax. Actual withdrawals may be taxed depending on which instruments you hold and prevailing tax rules at the time.
What life expectancy should I plan for?
It's generally safer to plan for a longer life than you expect — running out of corpus late in retirement is a far worse outcome than having some left over.
Is this financial advice?
No. This tool provides indicative estimates based on your assumptions. Consult a certified financial advisor before making retirement planning decisions.
Related calculators
Other tools worth checking as you plan your retirement.
FRetirement
FIRE Calculator
Find the age you could financially retire based on your savings rate.
Try it
SInvestments
SIP Calculator
Project how your monthly mutual fund SIP could grow over time with compounding.
Try it
GInvestments
Goal Planning Calculator
Find the monthly SIP you need to start today to hit a future goal amount.
Try it
NSavings
NPS Calculator
Project your National Pension System corpus and expected annuity.
Try it
Learn more
Articles to go deeper on the ideas behind this calculator.
Fundamentals
How much do you actually need to retire?
Why a finite-horizon corpus is usually smaller than you'd think.
6 min read
Strategy
Pre- vs post-retirement asset allocation
Why (and how) your investment mix should change once you stop earning.
5 min read
Fundamentals
Sequence of returns risk, explained
Why the order your returns arrive in matters as much as their average.
5 min read