Retirement Corpus Calculator
Estimate the retirement corpus you may need to cover your expenses, adjusting today's spending for inflation and drawing it down across your retirement years.
Corpus needed at retirement
₹7.21 Cr
Monthly expense then: ₹2,87,175
Breakdown
Illustrative estimate only, not financial advice. The result is very sensitive to the inflation and return rates you choose.
How it's calculated
- 1Your current monthly expense is grown by inflation to the year you retire.
- 2That future expense must be funded every year through retirement, rising with inflation each year.
- 3Each future year's need is discounted by your expected post-retirement return to today-at-retirement value.
- 4Adding those discounted needs gives the corpus you should have at retirement.
Why use this
- Turn a vague worry into a concrete savings target.
- See how inflation quietly raises the number you need.
- Test different retirement ages and return assumptions.
- Download a branded PDF of the plan.
Frequently asked questions
How much do I need to retire in India?+
It depends on your expenses, how long retirement lasts, and inflation. A common approach grows today's expenses to your retirement year, then funds an inflation-linked income for the rest of your life, discounted by your expected returns. This calculator does exactly that.
Why does inflation matter so much?+
Over decades, inflation multiplies the cost of the same lifestyle. An expense that feels manageable today can be far larger by the time you retire, so the corpus is sized against future costs, not current ones.
What return should I assume after retirement?+
Retirees usually hold more conservative investments, so post-retirement returns are typically modelled lower than during working years. There is no single correct figure; test a range you are comfortable with.
Does this include my pension or existing savings?+
No. It estimates the total corpus needed. You would subtract any pension, EPF, NPS, or existing investments separately to find the additional amount to build.
Is this financial advice?+
No. It is an illustrative estimate for planning. A licensed advisor can build a full retirement plan around your situation.
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