How do I use the retirement calculator?

1. Select 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. Enter 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. Add your existing corpus: Enter what you have already invested for retirement. It is grown at the pre-retirement return and reduces the corpus your SIP still has to build. 4. Set age assumptions: Enter current age, retirement age, and life expectancy. The calculator uses these to define accumulation years and retirement duration. 5. Set inflation and returns: Enter expected inflation, pre-retirement return, and post-retirement return. These assumptions drive both the future expense and required SIP. 6. Review 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 Any existing corpus is grown to retirement at the pre-retirement return, compounded annually, and subtracted from the required corpus. The monthly SIP is then calculated as the SIP needed to cover the balance over the years to retirement, using the pre-retirement return compounded monthly. Suppose you are 30, spend ₹50,000 per month today, have nothing invested for retirement yet, retire at 60, plan until age 85, assume 6% inflation, 12% pre-retirement return, and 8% post-retirement return. The model estimates a required corpus of ₹6,81,82,470.89. A monthly SIP of ₹19,315.62 for 30 years contributes ₹69,53,622.98 directly, with the remaining corpus expected from compounding at the assumed pre-retirement return.

What is retirement corpus?

It is the total amount needed at retirement so your portfolio can fund annual expenses through your planned life expectancy.

Why do inflation and post-retirement return both matter?

Your real purchasing power depends on returns after adjusting for inflation. The calculator uses real return to estimate how long corpus lasts.

Why is monthly SIP lower than total corpus requirement?

SIP contributions compound during accumulation. Returns contribute a meaningful portion of final corpus, reducing direct out-of-pocket contribution.

Can I retire earlier by increasing SIP?

Yes. Higher SIP, higher pre-retirement return, or lower retirement expense assumptions can reduce years required to hit your target corpus.

Does this include taxes and one-time expenses?

No. This is a planning estimate for recurring expenses. Add buffers separately for taxes, healthcare shocks, and major one-off goals.

Tools/

Retirement Corpus Calculator

Estimate retirement corpus and required monthly SIP with inflation-adjusted planning.

Current Monthly Expenses

₹10,000₹10,00,000

Existing Retirement Corpus

₹0₹10,00,00,000

Current Age

18 Yrs60 Yrs

Retirement Age

40 Yrs70 Yrs

Life Expectancy

61 Yrs100 Yrs

Expected Inflation

2%12%

Pre-retirement Returns

5%20%

Post-retirement Returns

3%15%

Required Retirement Corpus

₹6.82 Cr

to sustain 25 retirement years

Existing Corpus Grows To

₹0

Total SIP Invested

₹69.5 L

Estimated Growth

₹6.12 Cr

Monthly SIP Needed

₹19,316

Accumulation Projection

Year-by-Year Breakdown

Year	Age	SIP Invested	Portfolio Value
1	31	₹2,31,787	₹2,47,420
2	32	₹4,63,575	₹5,26,219
3	33	₹6,95,362	₹8,40,377
4	34	₹9,27,150	₹11,94,378
5	35	₹11,58,937	₹15,93,275
6	36	₹13,90,725	₹20,42,763
7	37	₹16,22,512	₹25,49,256
8	38	₹18,54,300	₹31,19,986
9	39	₹20,86,087	₹37,63,098
10	40	₹23,17,874	₹44,87,773
11	41	₹25,49,662	₹53,04,355
12	42	₹27,81,449	₹62,24,501
13	43	₹30,13,237	₹72,61,343
14	44	₹32,45,024	₹84,29,683
15	45	₹34,76,812	₹97,46,198
16	46	₹37,08,599	₹1,12,29,680
17	47	₹39,40,386	₹1,29,01,305
18	48	₹41,72,174	₹1,47,84,933
19	49	₹44,03,961	₹1,69,07,453
20	50	₹46,35,749	₹1,92,99,162
21	51	₹48,67,536	₹2,19,94,198
22	52	₹50,99,324	₹2,50,31,033
23	53	₹53,31,111	₹2,84,53,015
24	54	₹55,62,899	₹3,23,08,990
25	55	₹57,94,686	₹3,66,53,998
26	56	₹60,26,473	₹4,15,50,063
27	57	₹62,58,261	₹4,70,67,071
28	58	₹64,90,048	₹5,32,83,774
29	59	₹67,21,836	₹6,02,88,910
30	60	₹69,53,623	₹6,81,82,473

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.

Frequently Asked Questions

Select 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.
Enter 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.
Add your existing corpus
Enter what you have already invested for retirement. It is grown at the pre-retirement return and reduces the corpus your SIP still has to build.
Set age assumptions
Enter current age, retirement age, and life expectancy. The calculator uses these to define accumulation years and retirement duration.
Set inflation and returns
Enter expected inflation, pre-retirement return, and post-retirement return. These assumptions drive both the future expense and required SIP.
Review corpus and SIP
Check the required corpus, monthly expense at retirement, monthly SIP, and the year-by-year path toward the target corpus.

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

Annual retirement expense is today's monthly expense grown by inflation to retirement, then multiplied by 12
Real return is (1 + post-retirement return) ÷ (1 + inflation) - 1
Retirement years are life expectancy minus retirement age
Required corpus is the amount needed at retirement to fund the projected withdrawals

Any existing corpus is grown to retirement at the pre-retirement return, compounded annually, and subtracted from the required corpus. The monthly SIP is then calculated as the SIP needed to cover the balance over the years to retirement, using the pre-retirement return compounded monthly.

Worked example

Suppose you are 30, spend ₹50,000 per month today, have nothing invested for retirement yet, retire at 60, plan until age 85, assume 6% inflation, 12% pre-retirement return, and 8% post-retirement return.

Existing corpus: ₹0
Years to retirement: 30
Retirement duration: 25 years
Monthly expense at retirement: ₹2,87,174.56
Annual expense at retirement: ₹34,46,094.7
Required corpus: ₹6,81,82,470.89
Monthly SIP required: ₹19,315.62
Total SIP invested: ₹69,53,622.98

The model estimates a required corpus of ₹6,81,82,470.89. A monthly SIP of ₹19,315.62 for 30 years contributes ₹69,53,622.98 directly, with the remaining corpus expected from compounding at the assumed pre-retirement return.

Healthcare inflation in India can exceed headline CPI, so medical expenses and insurance premiums deserve a separate buffer.
Tax on withdrawals, capital gains, pension income, and rental income can reduce usable cash flow after retirement.
Asset allocation should usually become more conservative as retirement nears, which may lower expected returns versus an all-equity assumption.
Plan for longevity risk. Living five years longer than expected can materially increase the required corpus.
Retirement expenses are modelled as a single withdrawal at the end of each year, which slightly understates the corpus required for month-by-month spending.

A retirement plan needs an honest starting point

Finest builds your household net worth from real statements, so the corpus you plan from is the corpus you actually have.

See your real starting point

Retirement Corpus Calculator

Inputs

Results

Accumulation Projection

About the retirement calculator

Frequently Asked Questions

A retirement plan needs an honest starting point

Related calculators