Retirement Planning

Retirement Corpus Calculator

Calculate the corpus figure and monthly savings needed based on your retirement assumptions. Includes inflation and return inputs.

Retirement planning centres on one question: how large do your savings need to be? This calculator works backwards from your inputs - retirement age, lifestyle estimate, inflation assumption - and shows you the corpus figure and monthly savings the model produces. Interpret the output and decide what it means for you.

Why Corpus Size Matters
You need enough savings at retirement to fund 20-30 years of expenses without any regular income. The corpus must be large enough that annual withdrawals - increasing each year with inflation - don't exhaust it before your planned horizon ends.
The Inflation Effect
₹60,000/month today needs approximately ₹1.44 lakh/month in 15 years at 6% inflation to maintain the same standard of living. This calculator converts your current expenses into future rupees automatically, so the target corpus is realistic.
The Monthly Savings Gap
If your existing savings and projected returns fall short of the required corpus, there is a gap. The calculator tells you the exact additional monthly savings required (at your expected return) to close that gap by your retirement date.
Next step: Once you know your required corpus and monthly gap, explore the right investment mix through coaching - equity-heavy growth for a long horizon, de-risking gradually as you approach retirement.

Your Retirement Profile

Your Retirement Timeline

yrs
yrs
yrs

Plan to age 85–90 to be safe. Corpus lasts until this age.

%

India's long-run CPI average is ~6%. Use 5–7%.

Your Expenses

₹

All-in household expenses today.

%

Typical range: 70–90% of pre-retirement expenses. No EMIs / children's education during retirement.

₹

NPS annuity, employer pension, rental income, or any guaranteed monthly receipt in retirement (in today's ₹).

Return Assumptions

%

Expected annual return on your retirement savings portfolio (EPF, equity MF, NPS, etc.).

%

Expected return on the corpus once deployed conservatively in retirement (debt + balanced funds, annuities).

Current Retirement Savings

Enter your current corpus earmarked specifically for retirement.

₹
₹
₹
₹

Future Monthly Contributions

₹

Including EPF contribution (employee + employer), PPF, NPS, SIPs, etc.

%

Expected annualised return on your ongoing contributions (e.g. equity MF: 12%, mixed: 10%).

Corpus & Gap Analysis

Fill in your age, expenses, savings, and return assumptions - then click Calculate to see if you're on track for retirement.

Why the Corpus Seems Large

Inflation doubles your expenses roughly every 12 years at 6%. So ₹75,000/month today could be ₹2.7L/month in 25 years. The corpus must be large enough to fund 25–30 years of these inflation-growing expenses.

The 4% Rule - With Caution

A globally popular heuristic: withdraw 4% of corpus per year. That implies a corpus of 25× annual expenses. In India, with higher inflation and lower safe withdrawal rates, many experts suggest using 3–3.5% (corpus = 28–33× annual expenses) for safety.

Sequence of Returns Risk

Getting a negative return in early retirement is far more damaging than in mid-retirement - you sell units at low prices to meet expenses. This is why the post-retirement return assumption should be conservative and why a debt/annuity buffer matters.

What to Include in Monthly SIP

Add up: Employee EPF (12% of basic), Employer EPF, PPF contributions, NPS contributions, and any SIPs specifically for retirement. Don't include emergency fund or children's education investments as those have separate goals.

This calculator uses deterministic projections assuming constant returns and inflation. Actual markets fluctuate. This is for planning and orientation only - not a guarantee. Revisit your plan every 2–3 years or with a major life event.