Retirement Corpus Calculator
Find out exactly how much you need to retire comfortably — and how much to save every month.
What is a Retirement Calculator?
A Retirement Calculator is a financial planning tool that helps you estimate how much money you need to accumulate before you stop working. It accounts for your current lifestyle expenses, inflation, how long you plan to work, and how long your retirement is expected to last.
Rather than guessing, this calculator gives you a concrete, data-driven number — your retirement corpus — so you can start planning your savings strategy today.
How Much Retirement Corpus Do You Need?
The corpus you need depends on three key factors:
- Monthly expenses at retirement — not today's amount, but the inflation-adjusted figure.
- Retirement duration — how many years your savings must last.
- Post-retirement returns — returns earned on your corpus while drawing it down.
Impact of Inflation on Retirement
Inflation is the silent threat to retirement planning. At 6% annual inflation, your expenses double roughly every 12 years. This means:
- ₹50,000/month today becomes ~₹1.6 lakh/month after 20 years at 6% inflation.
- A corpus that looks large today may feel inadequate decades from now.
- Even a 1–2% difference in the inflation assumption significantly changes your corpus target.
How to Plan Monthly Savings
Once you know your target corpus, work backwards to find how much you must save each month. The simplified approach divides your corpus by total months until retirement:
In practice your actual monthly SIP will be lower because your investments earn returns over time. To get the most out of compounding:
- Start a SIP in equity mutual funds for long-term growth.
- Increase your SIP by 10–15% every year (step-up SIP) as your income grows.
- Diversify across equity, debt, and gold for stability near retirement.
- Avoid early withdrawals — compounding is time-sensitive.