Retirement Corpus Calculator
Model the exact corpus required to sustain your lifestyle in retirement, accounting for Indian retail inflation, post-retirement longevity, and monthly SIP requirements.
What will retirement actually cost you?
At 6% annual inflation, your current monthly expense of ₹50,000 will inflate to ₹2,87,175 per month by age 60. To fund 25 years of retirement, you will need an estimated corpus of ₹6,81,82,471.
- Your existing ₹5,00,000 savings will grow to ~₹1,49,79,961, leaving a net shortfall of ₹5,32,02,510.
- To bridge this shortfall, an ongoing disciplined monthly SIP of ₹15,223 is required.
- Healthcare inflation in India historically runs at 10–12%, well above general CPI. A comprehensive standalone health insurance policy protects your corpus from catastrophic hospital bills.
How This Calculator Works
The model first inflates your current monthly expense to your retirement age using compound inflation. It then calculates the present value of an inflation-adjusted annuity due over your post-retirement lifespan using the real post-retirement rate of return.
Corpus = Expense_Retirement × [1 - (1 + real_r)^(-N)] / real_rVariables in Formula:
Worked Step-by-Step Example
A 30-year-old spending ₹50,000/month planning to retire at 60 and live until 85 with 6% inflation.
Key takeaway: Starting at age 30 requires only ~₹18K/month. Waiting until age 40 to start would triple the required monthly SIP to nearly ₹60K/month.
Common Mistakes to Avoid
⚠ Ignoring the compounding effect of inflation
Saying 'I need ₹1 Crore for retirement' is dangerous. ₹1 Crore in 25 years has the purchasing power of just ~₹23 Lakhs today at 6% inflation.
⚠ Switching 100% of corpus to Fixed Deposits at retirement
With a 25+ year retirement, capital in FDs loses value to inflation and taxes. A portion of the corpus must remain in conservative equity/hybrid funds to beat inflation.
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