Retirement Corpus Calculator

About the retirement calculator

A retirement corpus is the investment pool you need at retirement to fund expenses for the rest of your planned life. This calculator starts with today's monthly expenses, inflates them to retirement, then estimates the corpus required to sustain withdrawals.

Use it when you want a disciplined view of retirement readiness, especially if your household has rising lifestyle costs, private healthcare needs, or dependants. It also estimates the monthly SIP required during your accumulation years.

The result is a model, not a guarantee. Retirement outcomes depend on sequence of returns, asset allocation, taxes, health events, longevity, and how spending changes after work stops.

1. 1Select a lifestyle preset: Choose Modest, Comfortable, or Premium to start with a monthly expense level, then adjust the expense number to match your household reality.
2. 2Enter your current expenses: Use recurring monthly expenses in today's rupees. Keep major one-time goals separate unless you want to add a buffer manually.
3. 3Set age assumptions: Enter current age, retirement age, and life expectancy. The calculator uses these to define accumulation years and retirement duration.
4. 4Set inflation and returns: Enter expected inflation, pre-retirement return, and post-retirement return. These assumptions drive both the future expense and required SIP.
5. 5Review corpus and SIP: Check the required corpus, monthly expense at retirement, monthly SIP, and the year-by-year path toward the target corpus.

How is the retirement corpus calculated?

Required corpus = Annual retirement expense × [1 - (1 + real return)^(-retirement years)] ÷ real return

The monthly SIP is then calculated as the SIP needed to reach the required corpus over the years to retirement, using the pre-retirement return compounded monthly.