Retirement Corpus Calculator (India)
Estimate how much money you’ll need at retirement to maintain your lifestyle,
adjusted for inflation and your expected returns.
Your present age (years)
Commonly 55–60 in India
How long you want your corpus to last
Household expenses in today’s value
₹
Long-term assumption, e.g. 5–7%
Equity-oriented portfolio, e.g. 10–12%
Conservative portfolio, e.g. 6–8%
PF, mutual funds, NPS, etc. for retirement
₹
Required retirement corpus
₹0
Enter your details to see how much you may need at retirement.
Corpus needed in today’s value
₹0
Projected value of existing corpus
₹0
Shortfall at retirement
₹0
Required monthly SIP (till retirement)
₹0 / month
Years to retirement: 0
Years in retirement: 0
Real post-ret. return: –
Note: This is a simplified illustration using assumed inflation and returns. Actual
retirement needs and investment performance may differ.
How This Retirement Corpus Calculator Works
This Retirement Corpus Calculator (India) estimates how much money you may need at retirement to maintain your current lifestyle, after adjusting for inflation and your expected investment returns.
Steps Used in the Calculation
- Step 1: We calculate how many years are left until your retirement.
- Step 2: Your current monthly expenses are grown at the inflation rate to estimate monthly expenses at retirement.
- Step 3: We assume your expenses continue for your chosen life expectancy and use a “real” rate of return (post-retirement return minus inflation) to estimate the retirement corpus required.
- Step 4: Your existing investments are compounded at the pre-retirement return to estimate their future value at retirement.
- Step 5: The gap between required corpus and existing future value is used to estimate the monthly SIP needed until retirement.
Important Notes & Assumptions
- The calculator assumes constant inflation and constant returns over the full period.
- Post-retirement returns are considered more conservative than pre-retirement returns.
- The calculation uses a simplified formula and does not account for taxes, changes in lifestyle, or one-time expenses.
This tool is for education and planning only, not investment or tax advice. Please consult a SEBI-registered investment advisor or financial planner before making any final decisions.