Retirement Calculator: How Much Corpus Do You Actually Need?
Enter your numbers below to see your real, inflation-adjusted retirement target, not a round-number guess.
Your Retirement Inputs
Enter your numbers below to see your real, inflation-adjusted retirement target, not a round-number guess.
Retirement Corpus Required
₹7.21 Cr
Figures shown are illustrative projections based on historical data and assumed rates of return. They are not a guarantee, promise, or assurance of future performance. Actual returns will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
What This Calculator Shows You
This calculator inflates your current monthly expenses forward to your retirement date, then works out the lump sum you would need on day one of retirement to fund inflation-adjusted withdrawals for the rest of your expected life. It nets off what your existing savings will grow to by then, and converts the remaining gap into a monthly SIP.
Read the results together: the total corpus required, what your current monthly expense becomes by the time you retire, the shortfall after your existing savings are projected forward, and the monthly SIP that closes that shortfall. The chart shows how a disciplined SIP, alongside your existing savings, can reach the target corpus by your retirement age.
Why Retirement Planning Needs a Real Number, Not a Guess
Most people size their retirement savings off a vague feeling rather than the actual arithmetic of inflation compounding for 25 to 30 years. A monthly expense that feels manageable today can look very different once it is compounded forward two or three decades, and that gap is exactly what catches people off guard late in their working life.
Two ages matter as much as the amount: the age you start saving, and the age you plan to retire. Both change how many years your money has to compound and how many years it must last afterward. Getting a real number early, even an imperfect one, is what turns retirement planning into a deliberate long-term habit instead of a scramble in your fifties.
How the Retirement Corpus Is Calculated
Your current monthly expenses are inflated forward, year by year, to the year you retire, giving your future annual expense. That future expense is then treated as a growing annuity across your retirement years, growing each year at your assumed inflation rate and discounted back at your assumed post-retirement return, to arrive at the corpus required on day one of retirement. Your existing savings are projected forward at your pre-retirement return and subtracted from that corpus. What remains is converted into a monthly SIP using the standard SIP formula, run at your pre-retirement return over your years left to retirement.
Using This Result Responsibly
This is a planning estimate, not a guarantee. Inflation, pre-retirement returns, and post-retirement returns are all assumptions you are choosing, not promises the market will deliver. Real inflation and real returns will move around your assumptions from year to year.
Revisit these numbers every year or two, and especially after a raise, a job change, or a meaningful market shift. Don't treat a single run of the calculator as a fixed number to chase forever. Treat it as a working target that gets updated as your income, expenses, and life plans change.
Frequently Asked Questions
Direct answers to the questions we hear most often. No hedging, no ambiguity.
Contact for specific questionsIt depends on your current monthly expenses, years left to retirement, expected inflation, and how long your retirement is expected to last. As a reference point, someone spending ₹50,000/month today, retiring in 30 years with a 25-year retirement and 6% inflation, needs a corpus of roughly ₹7 crore. Your own number will differ based on your inputs.
Pre-retirement and post-retirement portfolios usually look different. Before retirement, most people can afford more equity exposure and a higher expected return. After retirement, portfolios typically shift toward capital preservation with lower expected returns. Using two rates makes the projection more realistic.
The calculator still works. Set "Existing Retirement Savings" to zero, and it will show the full monthly SIP required from today to reach your target corpus by your chosen retirement age.
6% is a commonly used long-term inflation assumption for retirement planning in India, but your actual expense inflation may run higher for healthcare and lower for some other categories. Adjust it and re-run the numbers if you have a more specific view.
No. It is a planning estimate based on the inflation and return assumptions you provide, not a guaranteed outcome. Actual mutual fund returns fluctuate and are not assured. Treat the figure as a working target and review it periodically with our team.
Our Team's Credentials
AMFI MF Distributor (2823) & MF/SIF Distributor (300788)
CFP Certification, FPSB India
MDRT (6x): Rekha Guliani
LUTCF, The American College of Insurance
Chairman Club, ICICI Prudential MF
Turn This Target Into a Plan
Book a free* guidance with our team. We'll review your income, goals, and timeline to recommend the right SIP amount and fund mix for your retirement target.
A member of our team will confirm a time within one business day.
We do not charge anything for the guidance we provide. For any investments made through us, the AMCs may pay us a commission. Our recommendations are based on your risk profile, time horizon, and financial requirement, not on the commission we may earn.