Retirement Corpus Calculator 2026

Retirement Corpus Calculator

Retirement Corpus Calculator

Plan your retirement with confidence. Estimate the total retirement corpus you need based on your monthly expenses, inflation, expected return, and retirement age.

Retirement Corpus Calculator
Move any slider — your numbers update instantly, just like the CAGR calculator
Current Age
 yrs
Retirement Age
 yrs
Retirement age must be greater than current age.
Life Expectancy
 yrs
Life expectancy must be greater than retirement age.
Current Monthly Expenses
₹
Expected Annual Inflation
%
Return Before Retirement
%
Return After Retirement
%
Existing Retirement Savings
₹
Monthly Investment
₹
Annual Step-up in Investment
%
Required Retirement Corpus
₹0
Projected Savings
₹0
Corpus Gap
₹0
Adjust the sliders to see your retirement readiness.
Projected Savings
Required Corpus

How to Use This Retirement Corpus Calculator

  1. Set your Current Age and Retirement Age using the sliders — this tells the calculator how many years you have left to invest.
  2. Set your Life Expectancy — this decides how many years your retirement corpus needs to last after you stop working.
  3. Enter your Current Monthly Expenses — how much you spend today to maintain your lifestyle.
  4. Set the Expected Annual Inflation rate — 6% is a reasonable default for India.
  5. Set Return Before Retirement and Return After Retirement — typically higher before retirement (equity-heavy) and lower after (safer, income-focused).
  6. Enter your Existing Retirement Savings and Monthly Investment — include EPF, NPS, mutual funds, or any other retirement-focused savings.
  7. Optionally set an Annual Step-up if you plan to increase your monthly investment every year (e.g., with salary increments).
  8. That’s it — there’s no “Calculate” button to click. As soon as you move any slider, the Required Retirement Corpus, Projected Savings, Corpus Gap, and the chart all update instantly.
  9. If your Corpus Gap shows a shortfall, try increasing your Monthly Investment or Step-up slider until the gap closes to zero — that tells you the SIP you’d need for a fully funded retirement.

Retirement Planning Tips

  • Start investing early
  • Increase SIP every year
  • Beat inflation with equity exposure
  • Maintain an emergency fund
  • Diversify your investments
  • Review your retirement plan annually
  • Avoid withdrawing retirement savings early
  • Invest according to your risk profile

Retirement Corpus Kya Hota Hai?

Retirement corpus woh total amount hai jo aapko retirement ke baad, jab aapki active income band ho jaati hai, apna monthly aur annual kharcha chalane ke liye chahiye hota hai. Ye ek lump sum fund hai jo aapke retirement ke saalon tak aapke expenses cover karta hai, inflation aur post-retirement returns dono ko dhyan mein rakhte hue.

Retirement Planning Kyun Zaroori Hai

India mein average life expectancy badh rahi hai, matlab retirement ke baad bhi 20-30 saal tak aapko apna kharcha khud manage karna padega. Agar aap early planning nahi karte, to retirement tak sufficient corpus build karna mushkil ho sakta hai.

Formula Explanation

Corpus = Annual Expense × [(1 − ((1+Inflation)/(1+Return))^YearsRetired) / (Return − Inflation)]

Agar Return aur Inflation same ho, calculator simple multiplication (Annual Expense × Years Retired) use karta hai.

Practical Example

Aaj ke ₹50,000 monthly expenses, 6% inflation ke hisaab se retirement tak lagbhag ₹1,60,000 per month tak ho sakte hain (30 saal ke gap par). Agar required corpus ₹4.2 Crore ke around ban raha hai, aur aapki savings sirf ₹1.8 Crore tak grow honge, to aapko ₹2.4 Crore ka additional gap fill karna hoga.

Benefits of Using This Calculator

  • Realistic estimate milta hai ki aapko kitna corpus chahiye
  • Inflation ka impact clearly samajh aata hai
  • Existing savings aur SIP ka combined effect dikhta hai
  • Gap identify karke actionable steps le sakte hain

Frequently Asked Questions

What is a Retirement Corpus?+
A retirement corpus is the total lump sum amount you need to have accumulated by the time you retire, so it can cover your expenses for your entire retirement period, adjusted for inflation and post-retirement returns.
How much retirement corpus do I need?+
It depends on your current expenses, years left to retirement, inflation rate, life expectancy, and expected post-retirement returns. Move the sliders above to get a personalized estimate.
How is retirement corpus calculated?+
It’s calculated using the present value of a growing annuity — future annual expenses are projected using inflation, then discounted back using expected post-retirement return over the retirement duration.
What inflation rate should I assume?+
India’s long-term average inflation has historically been around 5-7% per year. Many planners use 6% as a reasonable default.
Can I retire early?+
Yes, but retiring early means fewer years to save and more years for your corpus to last, so you’ll typically need a larger corpus or higher savings rate.
How much monthly SIP is required to close my gap?+
Increase the “Monthly Investment” slider until the “Corpus Gap” value drops to zero — that tells you the SIP amount needed to fully close the gap.
What happens if inflation increases?+
Higher inflation increases your future expenses and therefore your required retirement corpus. Try moving the inflation slider up to see the effect immediately.
What is a safe withdrawal rate?+
A safe withdrawal rate is the percentage of your corpus you can withdraw annually without running out of money during retirement — commonly cited figures range from 3-4%.
Should EPF be included?+
Yes — any EPF balance you expect at retirement should be included under “Existing Retirement Savings.”
Should NPS be included?+
Yes — NPS contributions and expected corpus at retirement should also be factored into your existing savings or monthly investment inputs.
Can I edit expected returns?+
Yes, you can set separate expected returns for before and after retirement, since your asset allocation typically changes as you approach and enter retirement.
How often should I review my retirement plan?+
It’s good practice to review your retirement plan at least once a year, or whenever there’s a major change in income, expenses, or return expectations.
Ye calculator sirf educational aur illustrative purposes ke liye hai. Actual returns, inflation, aur retirement needs vary kar sakte hain. Koi bhi retirement ya investment decision lene se pehle apne financial advisor se consult karein.
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