Retirement Corpus Calculator
Work out how much you need to retire comfortably, whether your current savings and SIP will get you there, and exactly how much more to invest if they won’t.
- Inflation-adjusted
- Shortfall and extra SIP
- Age money lasts until
- Year-by-year CSV
Pension, rent and legacy Optional
Calculated in your browser. Nothing is saved.
How to plan your retirement corpus
- Tell us about youEnter your age, when you want to retire, how long to plan for and what you spend each month today.
- Add your savings planEnter what you’ve already saved for retirement (EPF, PPF, mutual funds), your monthly SIP and how much you’ll increase it each year.
- See if you’re on trackGet the corpus you need, your projected corpus, any shortfall, the extra SIP to close it and a year-by-year chart from today to the end of retirement.
How inflation grows your expenses
| Today’s monthly spend | In 10 years | In 20 years | In 30 years |
|---|---|---|---|
| ₹30,000 | ₹53,725 | ₹96,214 | ₹1,72,305 |
| ₹50,000 | ₹89,542 | ₹1,60,357 | ₹2,87,175 |
| ₹1,00,000 | ₹1,79,085 | ₹3,20,714 | ₹5,74,349 |
At 6% inflation a year.
How the calculation works
- Your monthly expenses are grown by inflation until you retire.
- The corpus needed is the amount that, earning your post-retirement return, can pay those expenses – rising with inflation every month – until the age you plan for.
- Your existing savings and SIP (with yearly step-ups) are grown at your pre-retirement return and compared with that target.
- Finally, the plan is simulated month by month to show the age your money lasts until.
Frequently asked questions
How much money do I need to retire in India?
It depends on your expenses, how many years you’ll be retired and inflation. As an example, if you’re 30 and spend ₹50,000 a month today, with 6% inflation that becomes about ₹2.87 lakh a month at 60. Covering that until 85 with a 7% return needs a corpus of roughly ₹7.7 crore. Put your own numbers in above.
Why is the corpus so large?
Inflation. At 6% a year, prices roughly double every 12 years, so in 30 years your expenses could be about 5.7 times today’s. Your corpus also has to keep paying out for 25 years or more after you stop working.
What return should I assume?
Before retirement, a mix of equity and debt has historically returned around 9–12% a year over long periods in India, but it isn’t guaranteed. After retirement most people shift to safer investments, so 6–8% is a sensible assumption. The calculator lets you set both.
What is the 4% rule and does it work in India?
The 4% rule says you can withdraw 4% of your corpus in the first year and increase it with inflation for 30 years. It comes from US data. With India’s higher inflation, many planners suggest 3–3.5% instead. The calculator shows your first-year withdrawal rate.
Should I include EPF and PPF in current savings?
Yes – include anything set aside for retirement: EPF, PPF, NPS, retirement mutual funds and similar. Don’t include your house you live in or emergency funds.
How does a pension or rental income help?
Regular income in retirement reduces how much your corpus must pay. Enter it as a monthly amount at retirement, and tick “rises with inflation” if it increases each year (like rent or a government pension with DA).
Is this financial advice?
No. It’s a planning estimate based on the assumptions you choose. Returns, inflation and life expectancy can differ from these numbers, so review your plan every year or speak to a SEBI-registered adviser.
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