Retirement Corpus Calculator

How it's calculated

Expenses at retirement = today's expenses × (1 + inflation)^{years to retirement}. The corpus is the present value of those expenses, rising with inflation, over your retirement years, discounted at the post-retirement return. The SIP covers what your current savings will not.

Estimating the corpus you need to retire

Your retirement corpus has to fund your expenses for many years, and those expenses rise with inflation. The calculator raises today's monthly expenses to the level they will reach when you retire, then works out the sum you need at that point to pay for them until the age you plan to.

With the example values, a 30-year-old spending ₹50,000 a month, retiring at 60 and planning to 85, needs about ₹6.95 crore at retirement, assuming 6% inflation. With ₹5 lakh already saved and a 12% return before retirement, the monthly SIP needed is about ₹14,588.

Frequently asked questions

How much do I need to retire?

It depends on your expenses, inflation, the age you retire, how long you plan for and the return on your money. Change each input to see how the corpus moves.

Why are monthly expenses so much higher at retirement?

Because of inflation compounding over the years. ₹50,000 today becomes about ₹2.87 lakh a month in 30 years at 6% inflation.

What return should I use after retirement?

Use a cautious figure, since most people move to lower-risk investments. A lower return means a bigger corpus is needed.

How to use the Retirement Corpus Calculator

Enter your age now, retirement age, plan to age, monthly expenses today, inflation (p.a.), return before retirement, return after retirement, already saved for retirement. The calculator updates as you type and shows Corpus needed at retirement, along with the figures behind it. It runs in your browser, so nothing you enter is sent anywhere. Use the Reset button to go back to the example values.