CALCULATORS • PLANNING

Retirement Corpus Calculator

Find the corpus for your retirement, and the SIP to build it.

Defeat inflation

See how much your current expenses will inflate in the future.

ABOUT THIS CALCULATOR

What is the Retirement Corpus Calculator?

Retirement planning is the most critical financial goal you will ever have, because you cannot take a loan for it. This calculator factors in inflation, your current expenses, and your life expectancy to figure out the massive "Retirement Corpus" you will need to sustain your lifestyle when your salary stops.

Timeline

Enter your current age and planned retirement age.

Current Expenses

Input your current monthly living expenses.

Inflation & Returns

Adjust expected inflation and post-retirement return rates.

Target Corpus

Discover your target Corpus and the SIP required to achieve it.

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Calculator Details

Adjust the values below to see your personalized results.

yr
1859
yr
3375

How long the corpus should last

yr
61100

What running your home costs now

₹
₹10 K₹10 L

How fast you expect prices to rise

%
2%12%
%
4%18%

Usually lower — the corpus moves to safer options

%
3%12%

EPF, PPF, mutual funds set aside for retirement

₹
₹0₹10 Cr

Monthly SIP needed from now

₹20,561
Years to retirement28 years
Monthly expense at retirement₹2,55,584
Corpus needed₹6,86,61,871
Existing savings grow to₹1,19,41,933
Still to be built₹5,67,19,938

Tip: The monthly figure falls sharply the earlier you start — most of the corpus comes from the years the money spends invested.

What this calculation assumes

  • Your expenses today rise with inflation every year, both before and during retirement.
  • Until you retire your savings earn the first return rate; after retiring the corpus is moved to safer options earning the second, lower rate.
  • The corpus is drawn down to zero by the end of the years you set — nothing is left behind as an estate.
  • Rent, EMIs, medical costs and any pension or rental income are not handled separately. Adjust the monthly expense to allow for them.

The result is an estimate to help you plan. Your bank, insurer or fund house will confirm the exact figures, and market-linked returns are never guaranteed.

Want this checked for your own case?

Send us your numbers and we will walk you through the options — there is no fee for the advice.

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